BlastPoint's Credit Union Scorecard
DAKOTA STAR
Charter #8039 · SD
DAKOTA STAR has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,991
-1.0% YoY-0.6% QoQ
|
+365 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$42.0M
+3.1% YoY+2.4% QoQ
|
+$12.1M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$27.1M
+8.3% YoY+1.5% QoQ
|
+$11.3M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$37.6M
+1.6% YoY+1.3% QoQ
|
+$12.2M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
1.1%
+100.2% YoY+15.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.4%
+8.7% YoY+1.5% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
77.6%
-6.9% YoY-3.2% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.0%
+26.8% YoY+2.6% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
72.0%
+6.6% YoY+0.2% QoQ
|
+10.7% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$21,630
+5.3% YoY+2.0% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
17.2%
+16.9% YoY+3.8% QoQ
|
-7.3% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-22.8% YoY-5.2% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)