BlastPoint's Credit Union Scorecard
DAKOTA RAIL LINE
Charter #9907 · SD
DAKOTA RAIL LINE demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 1.28% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
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 -1.9% year over year ($4.2M in shares and deposits).
- Membership: 495 members, +0.2% vs a year ago.
- Delinquency rate 1.17%.
- Return on assets 1.75%.
- Efficiency ratio 67.93% vs a 88.77% peer average.
- Loan-to-share ratio 86.95% 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 |
495
+0.2% YoY+0.6% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
Bottom 13.5% in tier |
| Assets |
$5.1M
+0.1% YoY-2.7% QoQ
|
$-25.1M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$3.7M
-5.6% YoY+0.1% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$4.2M
-1.9% YoY-3.8% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.8%
-8.0% YoY-5.5% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
Top 13.9% in tier |
| NIM |
5.2%
-1.0% YoY-3.1% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
67.9%
+3.1% YoY+1.7% QoQ
|
-20.8% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
1.2%
-5.7% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
86.9%
-3.7% YoY+4.0% QoQ
|
+28.1% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Top 12.1% in tier |
| AMR |
$15,994
-3.9% YoY-2.6% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
32.1%
-4.5% YoY-3.1% QoQ
|
+7.5% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)