Bluestone
Sioux Falls, SD · Charter 2874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$205.6MAssets
$128.2MLoans
$176.4MShares
$19.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets (rank 379 of 1681).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1416 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.87%
Rank 715 of 1,683
Net Interest Margin
3.72%
Rank 919 of 1,683
Efficiency Ratio
79.14%
Rank 890 of 1,682
Equity / Assets
9.57%
Rank 1,416 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 715 / 1,683 | | |
| Return on Equity | 9.13% | 2.67% | 5.89% | 8.74% | Beats 77% | 379 / 1,681 | | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 919 / 1,683 | | |
| Efficiency Ratio | 79.14% | 68.91% | 78.20% | 86.93% | Beats 47% | 890 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 685 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,416 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,416 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.64% | 52.61% | 69.38% | 83.50% | 56th pctl | 738 / 1,683 | | |
| Loans / Assets | 62.33% | 44.71% | 59.18% | 70.72% | 57th pctl | 717 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |