BlastPoint's Credit Union Scorecard

GLENDIVE BN

Charter #7716 · MT

2556 CUs in <100M nationally 24 in MT

GLENDIVE BN has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.74% above tier average
  • + Net Interest Margin 0.11% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 1,642
-1.6% YoY-0.5% QoQ
-973 2,615
-1.9% YoY
10,794
+3.9% YoY
33,374
+5.7% YoY
44%
Assets $27.2M
-5.4% YoY-1.7% QoQ
$-2.9M $30.1M
+2.1% YoY
$197.5M
+8.6% YoY
$561.6M
+9.7% YoY
56%
Loans $17.2M
+8.5% YoY+1.2% QoQ
+$1.5M $15.8M
-1.3% YoY
$129.1M
+6.1% YoY
$397.0M
+8.8% YoY
65%
Deposits $21.3M
-8.2% YoY-2.2% QoQ
$-4.3M $25.7M
+1.4% YoY
$168.5M
+7.6% YoY
$477.3M
+9.7% YoY
54%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.4%
+13.9% YoY-13.9% QoQ
+0.7% 0.6%
+10.8% YoY
0.7%
-27.4% YoY
0.7%
+15.9% YoY
80%
NIM 4.1%
+12.0% YoY+2.9% QoQ
+0.1% 4.0%
+4.0% YoY
3.7%
+4.3% YoY
3.8%
+5.1% YoY
57%
Efficiency Ratio 71.0%
-0.5% YoY+8.7% QoQ
-11.6% 82.6%
-2.3% YoY
76.7%
+2.1% YoY
79.7%
-3.3% YoY
29%
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 80.8%
+18.2% YoY+3.5% QoQ
+20.2% 60.6%
-3.1% YoY
67.3%
-2.3% YoY
67.4%
-1.7% YoY
79%
AMR $23,502
+0.1% YoY-0.2% QoQ
+$9K $14,783
-1.4% YoY
$21,802
+3.7% YoY
$19,687
+2.0% YoY
Top 11.0% in tier
CD Concentration 9.1%
-14.3% YoY-1.2% QoQ
-15.3% 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 (9 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
177
Loan-to-Member Ratio (LMR)
engagement
Value: $10,502
Peer Median: -
#177 of 2556 Top 6.9% in <100M tier
280
Average Member Relationship (AMR)
engagement
Value: $23,502
Peer Median: -
#280 of 2556 Top 10.9% in <100M tier
342
Loan Growth Rate
growth
Value: 8.51%
Peer Median: -
#342 of 2556 Top 13.3% in <100M tier
463
Net Worth Ratio
risk
Value: 21.38%
Peer Median: -
#463 of 2556 Top 18.1% in <100M tier
516
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Median: -
#516 of 2556 Top 20.1% in <100M tier
534
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#534 of 2556 Top 20.9% in <100M tier
536
Loan-to-Share Ratio
balance_sheet
Value: 80.79%
Peer Median: -
#536 of 2556 Top 20.9% in <100M tier

Top Weaknesses (3 metrics)

2398
First Mortgage Concentration (%)
balance_sheet
Value: 54.33%
Peer Median: -
#2398 of 2556 Bottom 6.2% in <100M tier
2301
Deposit Growth Rate
growth
Value: -8.24%
Peer Median: -
#2301 of 2556 Bottom 10.0% in <100M tier
2231
Asset Growth Rate
growth
Value: -5.37%
Peer Median: -
#2231 of 2556 Bottom 12.8% in <100M tier
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