BlastPoint's Credit Union Scorecard
AVANTI
Charter #8801 · SD
AVANTI has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Delinquency rate 2.45% above tier average
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits -5.2% year over year ($28.1M in shares and deposits).
- Membership: 2,967 members, -1.4% vs a year ago.
- Delinquency rate 4.00%.
- Return on assets 0.94%.
- Efficiency ratio 72.18% vs a 88.77% peer average.
- Loan-to-share ratio 63.66% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,967
-1.4% YoY+0.1% QoQ
|
+381 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$31.8M
-4.1% YoY-0.1% QoQ
|
+$1.5M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$17.9M
-13.3% YoY-5.4% QoQ
|
+$2.4M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$28.1M
-5.2% YoY-0.1% QoQ
|
+$2.3M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.9%
-34.2% YoY-17.2% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.0%
-3.5% YoY-2.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
72.2%
+7.5% YoY+1.9% QoQ
|
-16.6% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
4.0%
+127.4% YoY+10.1% QoQ
|
+2.5 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
63.7%
-8.6% YoY-5.3% QoQ
|
+4.8% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$15,504
-7.2% YoY-2.4% QoQ
|
+$541 |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
36.7%
+1.8% YoY+8.1% QoQ
|
+12.1% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
34.2%
-3.9% YoY+5.7% QoQ
|
+20.5% | 13.6% | 8.1% | 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)