BlastPoint's Credit Union Scorecard
FROID
Charter #3602 · MT
2556 CUs in <100M nationally
24 in MT
FROID has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.9% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Loan Growth Rate: Top 5.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.6% YoY
- - Total Members: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
- - Total Assets: Bottom 6.3% in tier
- - Fee Income Per Member: Bottom 6.7% in tier
- - Total Deposits: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
-4.6% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Bottom 3.5% in tier |
| Assets |
$1.2M
+17.4% YoY+1.4% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.3% in tier |
| Loans |
$879,476
+15.0% YoY+0.5% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$1.0M
+18.7% YoY+2.5% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.2% in tier |
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| ROA |
1.0%
+92.0% YoY-1.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.8%
-7.5% YoY-5.9% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
67.5%
-10.5% YoY-0.6% QoQ
|
-15.1% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
86.0%
-3.2% YoY-1.9% QoQ
|
+25.4% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$11,529
+22.6% YoY+1.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration | 0.0% | -24.4% | 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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
50
AMR Growth Rate
growth
Value:
22.63%
Peer Median: -
#50 of 2556
Top 1.9% in <100M tier
60
Deposit Growth Rate
growth
Value:
18.72%
Peer Median: -
#60 of 2556
Top 2.3% in <100M tier
62
Asset Growth Rate
growth
Value:
17.35%
Peer Median: -
#62 of 2556
Top 2.4% in <100M tier
153
Loan Growth Rate
growth
Value:
14.97%
Peer Median: -
#153 of 2556
Top 5.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
362
Loan-to-Share Ratio
balance_sheet
Value:
85.99%
Peer Median: -
#362 of 2556
Top 14.1% in <100M tier
Top Weaknesses (8 metrics)
2465
Total Members
engagement
Value:
165
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2426
Members Per Employee (MPE)
engagement
Value:
82.500
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2395
Total Assets
balance_sheet
Value:
$1.17M
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2385
Fee Income Per Member
profitability
Value:
$0.96
Peer Median: -
#2385 of 2556
Bottom 6.7% in <100M tier
2372
Total Deposits
balance_sheet
Value:
$1.02M
Peer Median: -
#2372 of 2556
Bottom 7.2% in <100M tier
2293
Total Loans
balance_sheet
Value:
$879,476
Peer Median: -
#2293 of 2556
Bottom 10.3% in <100M tier
2183
Net Interest Margin (NIM)
profitability
Value:
2.83%
Peer Median: -
#2183 of 2556
Bottom 14.6% in <100M tier
2080
Member Growth Rate
growth
Value:
-4.62%
Peer Median: -
#2080 of 2556
Bottom 18.7% in <100M tier