BlastPoint's Credit Union Scorecard

MONTANA

Charter #4164 · MT

1069 CUs in 100M-500M nationally 13 in MT

MONTANA has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 27.4% in tier
+ ROA 0.46% above tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 30.1% in tier
- Credit Quality Pressure: Bottom 50.3% in tier
- Indirect Auto Dependency: Bottom 54.5% in tier
- Indirect Auto Concentration (%): Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	26,100 +4.1% YoY+1.0% QoQ	+10.7K	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	Top 10.5% in tier
Assets	$351.8M +3.4% YoY+2.3% QoQ	+$120.0M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	82%
Loans	$246.9M +9.1% YoY+1.8% QoQ	+$99.5M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	Top 14.6% in tier
Deposits	$307.7M +1.5% YoY+1.9% QoQ	+$106.9M	$200.8M +0.8% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +11.0% YoY+1.3% QoQ	+0.5%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	80%
NIM	4.0% +10.7% YoY+0.4% QoQ	+0.4%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	73.1% -1.9% YoY-0.9% QoQ	-3.9%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	0.5% +66.5% YoY+62.2% QoQ	-0.4	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	34%
Loan To Share	80.2% +7.5% YoY-0.1% QoQ	+8.0%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	64%
AMR	$21,249 +0.7% YoY+0.8% QoQ	$-3K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	41%
CD Concentration	11.4% -8.3% YoY+7.3% QoQ	-13.1%	24.4%	17.9%	19.8%	50%
Indirect Auto %	39.2% +2.0% YoY+0.6% QoQ	+25.4%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#164 of 595 • Top 27.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.22%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 39.20%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#138 of 456 • Bottom 30.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.15%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#355 of 705 • Bottom 50.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#276 of 506 • Bottom 54.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.42%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 39.20%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.08%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

112

Total Members

engagement

Value: 26,100

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

133

Share Certificate Concentration (%)

balance_sheet

Value: 11.36%

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

145

Member Growth Rate

growth

Value: 4.08%

Peer Median: -

#145 of 1069 Top 13.5% in 100M-500M tier

156

Total Loans

balance_sheet

Value: $246.87M

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

183

Total Deposits

balance_sheet

Value: $307.72M

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

193

Total Assets

balance_sheet

Value: $351.85M

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

206

Loan Growth Rate

growth

Value: 9.15%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

212

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

Top Weaknesses (2 metrics)

979

Indirect Auto Concentration (%)

balance_sheet

Value: 39.20%

Peer Median: -

#979 of 1069 Bottom 8.5% in 100M-500M tier

821

AMR Growth Rate

growth

Value: 0.69%

Peer Median: -

#821 of 1069 Bottom 23.3% in 100M-500M tier