BlastPoint's Credit Union Scorecard
AVANTI
Charter #8801 · SD
AVANTI has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.40% above tier average
- + Strong member growth: 7.4% YoY
- + Member Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.31% above tier average
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,987
+7.4% YoY-0.7% QoQ
|
+361 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$32.0M
-0.4% YoY-3.4% QoQ
|
+$2.2M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$21.1M
-2.3% YoY+2.2% QoQ
|
+$5.3M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$28.4M
-1.7% YoY-4.0% QoQ
|
+$3.0M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
1.4%
+31.1% YoY-3.4% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
4.3%
+9.6% YoY+3.6% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
68.5%
-0.7% YoY+2.1% QoQ
|
-12.9% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
2.8%
+259.3% YoY+60.5% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
Top 13.1% in tier |
| Loan To Share |
74.2%
-0.6% YoY+6.5% QoQ
|
+12.9% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$16,583
-8.7% YoY-0.8% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
35.4%
-4.8% YoY-1.8% QoQ
|
+11.0% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
33.5%
+3.8% YoY-5.8% QoQ
|
+19.5% |
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)