BlastPoint's Credit Union Scorecard

DAKOTA STAR

Charter #8039 · SD

<100M

2508 CUs in <100M nationally 21 in SD

DAKOTA STAR has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.93% above tier average
+ Asset Growth Rate: Top 4.5% in tier
+ Deposit Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	3,016 -0.1% YoY+0.5% QoQ	+339	2,676 +1.6% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	68%
Assets	$46.5M +12.3% YoY+7.2% QoQ	+$16.3M	$30.2M +1.3% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	75%
Loans	$27.5M +5.2% YoY+0.6% QoQ	+$12.2M	$15.3M -2.0% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	80%
Deposits	$42.2M +12.2% YoY+8.0% QoQ	+$16.4M	$25.8M +0.7% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +63.0% YoY-9.6% QoQ	+0.9%	0.1% -77.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	72%
NIM	4.0% -4.8% YoY-6.5% QoQ	+0.0%	4.0% +4.0% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	77.9% -8.3% YoY+2.3% QoQ	-12.8%	90.6% +6.5% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.7% -37.9% YoY-39.9% QoQ	-0.8	1.5% +3.8% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	51%
Loan To Share	65.0% -6.3% YoY-6.8% QoQ	+6.5%	58.5% -3.0% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	60%
AMR	$23,107 +9.4% YoY+4.5% QoQ	+$8K	$14,884 -1.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	Top 12.2% in tier
CD Concentration	18.5% +10.6% YoY+6.5% QoQ	-5.8%	24.3%	28.7%	19.8%	50%
Indirect Auto %	0.1% -20.5% YoY-5.6% QoQ	-13.7%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

115

Asset Growth Rate

growth

Value: 12.28%

Peer Median: 1.30%

#115 of 2508 Top 4.5% in <100M tier

146

Deposit Growth Rate

growth

Value: 12.23%

Peer Median: 0.66%

#146 of 2508 Top 5.8% in <100M tier

270

AMR Growth Rate

growth

Value: 9.43%

Peer Median: 1.27%

#270 of 2508 Top 10.7% in <100M tier

279

Loan-to-Member Ratio (LMR)

engagement

Value: $9,105

Peer Median: $4,923

#279 of 2508 Top 11.1% in <100M tier

307

Average Member Relationship (AMR)

engagement

Value: $23,107

Peer Median: $13,926

#307 of 2508 Top 12.2% in <100M tier

433

Fee Income Per Member

profitability

Value: $129.37

Peer Median: $60.42

#433 of 2508 Top 17.2% in <100M tier

492

Total Loans

balance_sheet

Value: $27.46M

Peer Median: $9.48M

#492 of 2508 Top 19.6% in <100M tier

499

Loan Growth Rate

growth

Value: 5.21%

Peer Median: -2.36%

#499 of 2508 Top 19.9% in <100M tier

585

Total Deposits

balance_sheet

Value: $42.23M

Peer Median: $18.77M

#585 of 2508 Top 23.3% in <100M tier

Top Weaknesses (2 metrics)

2340

Net Worth Ratio

risk

Value: 8.40%

Peer Median: 14.28%

#2340 of 2508 Bottom 6.7% in <100M tier

2126

Indirect Auto Concentration (%)

balance_sheet

Value: 0.06%

Peer Median: 0.00%

#2126 of 2508 Bottom 15.3% in <100M tier