BlastPoint's Credit Union Scorecard
DAKOTA RAIL LINE
Charter #9907 · SD
DAKOTA RAIL LINE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.11% above tier average
- + Net Interest Margin 1.32% above tier average
- + Net Charge-Off Rate: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
493
-1.8% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.4% in tier |
| Assets |
$5.2M
+2.8% YoY+0.6% QoQ
|
$-25.0M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.9M
+5.5% YoY+0.4% QoQ
|
$-11.9M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.3M
+1.2% YoY+0.2% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.7%
+11.7% YoY-6.3% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 11.1% in tier |
| NIM |
5.3%
+8.8% YoY-0.7% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
Top 9.6% in tier |
| Efficiency Ratio |
69.3%
-1.3% YoY+3.1% QoQ
|
-13.2% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Top 13.9% in tier |
| Loan To Share |
89.5%
+4.2% YoY+0.2% QoQ
|
+28.9% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
Top 10.4% in tier |
| AMR |
$16,630
+5.0% YoY+0.3% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
38.1%
+5.0% YoY-5.0% QoQ
|
+13.7% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)