BlastPoint's Credit Union Scorecard
AVANTI
Charter #8801 · SD
AVANTI has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 0.46% above tier average
- + Strong member growth: 6.3% YoY
- + Member Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.42% above tier average
- - Indirect Auto Concentration (%): Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,967
+6.3% YoY-0.7% QoQ
|
+351 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$31.5M
-6.5% YoY-1.5% QoQ
|
+$1.4M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$19.6M
-6.6% YoY-6.9% QoQ
|
+$3.9M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$27.9M
-8.1% YoY-1.7% QoQ
|
+$2.3M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
1.2%
+11.2% YoY-16.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.4%
+14.1% YoY+1.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
70.1%
-0.7% YoY+2.3% QoQ
|
-12.4% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
3.0%
+83.4% YoY+5.3% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
70.2%
+1.7% YoY-5.3% QoQ
|
+9.6% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$16,037
-13.0% YoY-3.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
35.6%
-14.3% YoY+0.5% QoQ
|
+11.2% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % |
33.4%
-0.6% YoY-0.2% QoQ
|
+19.6% | 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)