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 0.56% above tier average
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,002
-0.5% YoY+0.4% QoQ
|
+386 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$43.3M
+8.1% YoY+3.2% QoQ
|
+$13.2M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$27.3M
+7.7% YoY+0.8% QoQ
|
+$11.5M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$39.1M
+7.2% YoY+3.9% QoQ
|
+$13.4M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.2%
+107.8% YoY+4.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.3%
+5.1% YoY-1.6% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
76.1%
-8.9% YoY-2.0% QoQ
|
-6.5% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.1%
+42.7% YoY+8.4% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
69.8%
+0.5% YoY-3.0% QoQ
|
+9.2% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$22,118
+7.9% YoY+2.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 14.2% in tier |
| CD Concentration |
17.4%
+13.0% YoY+1.1% QoQ
|
-7.1% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-21.6% YoY-5.4% QoQ
|
-13.7% | 13.8% | 8.0% | 7.8% | 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)