BlastPoint's Credit Union Scorecard
BADLANDS
Charter #4227 · MT
BADLANDS faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 7.79% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.8% in tier
- - Indirect Auto Concentration (%): Bottom 6.8% in tier
- - Loan-to-Share Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,190
+0.2% YoY+0.4% QoQ
|
-425 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$39.4M
+5.4% YoY+2.1% QoQ
|
+$9.3M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$10.7M
-2.2% YoY-2.3% QoQ
|
$-5.1M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$36.4M
+4.1% YoY+3.0% QoQ
|
+$10.7M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.2%
+6.0% YoY-16.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.8%
+7.9% YoY-1.7% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
90.3%
-3.6% YoY+0.7% QoQ
|
+7.8% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.3%
+16.0% YoY+86.2% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
29.4%
-6.1% YoY-5.2% QoQ
|
-31.2% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.8% in tier |
| AMR |
$21,496
+2.4% YoY+1.4% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
0.6%
-70.3% YoY-64.8% QoQ
|
-23.9% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
16.0%
-39.2% YoY-12.1% QoQ
|
+2.2% | 13.8% | 6.1% | 7.8% | 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)