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 1.71% above tier average
- + Net Interest Margin 1.34% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
492
+0.2% YoY-0.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
Bottom 13.5% in tier |
| Assets |
$5.3M
+3.4% YoY+1.8% QoQ
|
$-24.9M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$3.7M
-2.4% YoY-5.0% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.4M
+1.9% YoY+1.7% QoQ
|
$-21.4M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
1.9%
-5.6% YoY+7.1% QoQ
|
+1.7% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
Top 8.3% in tier |
| NIM |
5.3%
+1.7% YoY+1.4% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
66.8%
+2.6% YoY-3.6% QoQ
|
-23.8% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate | 1.2% | -0.3 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
83.6%
-4.3% YoY-6.6% QoQ
|
+25.1% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 14.6% in tier |
| AMR |
$16,419
-0.3% YoY-1.3% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
33.1%
-4.5% YoY-13.3% QoQ
|
+8.8% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)