BlastPoint's Credit Union Scorecard

MILE HIGH

Charter #1739 · MT

2556 CUs in <100M nationally 24 in MT

MILE HIGH has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.62% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -3.4% YoY
  • - Deposit Growth Rate: Bottom 7.7% in tier
  • - Asset Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 1,722
-3.4% YoY-0.7% QoQ
-893 2,615
-1.9% YoY
10,794
+3.9% YoY
33,374
+5.7% YoY
45%
Assets $28.3M
-7.0% YoY-0.8% QoQ
$-1.9M $30.1M
+2.1% YoY
$197.5M
+8.6% YoY
$561.6M
+9.7% YoY
58%
Loans $10.1M
-2.5% YoY-2.6% QoQ
$-5.6M $15.8M
-1.3% YoY
$129.1M
+6.1% YoY
$397.0M
+8.8% YoY
51%
Deposits $23.9M
-9.6% YoY-1.2% QoQ
$-1.8M $25.7M
+1.4% YoY
$168.5M
+7.6% YoY
$477.3M
+9.7% YoY
58%

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ROA 1.2%
+15.9% YoY-15.3% QoQ
+0.6% 0.6%
+10.8% YoY
0.7%
-27.4% YoY
0.7%
+15.9% YoY
76%
NIM 4.3%
+15.2% YoY-0.3% QoQ
+0.4% 4.0%
+4.0% YoY
3.7%
+4.3% YoY
3.8%
+5.1% YoY
67%
Efficiency Ratio 75.4%
-0.1% YoY+6.3% QoQ
-7.2% 82.6%
-2.3% YoY
76.7%
+2.1% YoY
79.7%
-3.3% YoY
39%
Delinquency Rate 0.0%
-33.0% QoQ
-1.5 1.6%
-3.1% YoY
0.9%
-14.9% YoY
1.3%
-2.1% YoY
Bottom 12.6% in tier
Loan To Share 42.3%
+7.8% YoY-1.5% QoQ
-18.3% 60.6%
-3.1% YoY
67.3%
-2.3% YoY
67.4%
-1.7% YoY
22%
AMR $19,768
-4.4% YoY-0.9% QoQ
+$5K $14,783
-1.4% YoY
$21,802
+3.7% YoY
$19,687
+2.0% YoY
78%
CD Concentration 3.9%
-42.2% YoY+8.3% QoQ
-20.6% 24.4% 17.9% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.1% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
323
Total Delinquency Rate (60+ days)
risk
Value: 0.01%
Peer Median: -
#323 of 2556 Top 12.6% in <100M tier
529
Fee Income Per Member
profitability
Value: $131.14
Peer Median: -
#529 of 2556 Top 20.7% in <100M tier
557
Net Charge-Off Rate
risk
Value: 0.01%
Peer Median: -
#557 of 2556 Top 21.8% in <100M tier
564
Average Member Relationship (AMR)
engagement
Value: $19,768
Peer Median: -
#564 of 2556 Top 22.0% in <100M tier
619
Return on Assets (ROA)
profitability
Value: 1.24%
Peer Median: -
#619 of 2556 Top 24.2% in <100M tier

Top Weaknesses (4 metrics)

2361
Deposit Growth Rate
growth
Value: -9.56%
Peer Median: -
#2361 of 2556 Bottom 7.7% in <100M tier
2329
Asset Growth Rate
growth
Value: -6.96%
Peer Median: -
#2329 of 2556 Bottom 8.9% in <100M tier
2096
AMR Growth Rate
growth
Value: -4.36%
Peer Median: -
#2096 of 2556 Bottom 18.0% in <100M tier
1985
Loan-to-Share Ratio
balance_sheet
Value: 42.32%
Peer Median: -
#1985 of 2556 Bottom 22.4% in <100M tier
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