BlastPoint's Credit Union Scorecard
AVANTI
Charter #8801 · SD
AVANTI has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 6.8% YoY
- + Member Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.13% above tier average
- - Indirect Auto Concentration (%): Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 9.0% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,963
+6.8% YoY-0.1% QoQ
|
+286 |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$31.8M
-6.8% YoY+0.9% QoQ
|
+$1.6M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$18.9M
-8.5% YoY-3.6% QoQ
|
+$3.6M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$28.1M
-8.4% YoY+0.7% QoQ
|
+$2.3M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+5.4% YoY-1.6% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
4.2%
+3.6% YoY-5.8% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
70.8%
-3.2% YoY+1.0% QoQ
|
-19.8% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
3.6%
+152.0% YoY+22.3% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.8% in tier |
| Loan To Share |
67.3%
-0.1% YoY-4.3% QoQ
|
+8.7% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$15,879
-14.3% YoY-1.0% QoQ
|
+$995 |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
33.9%
-11.0% YoY-4.6% QoQ
|
+9.7% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % |
32.3%
-6.7% YoY-3.4% QoQ
|
+18.5% | 13.8% | 7.9% | 7.7% | 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)