BlastPoint's Credit Union Scorecard
MOUNTAIN WEST
Charter #8129 · MT
MOUNTAIN WEST has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Delinquency rate 1.16% above tier average
- - Member decline: -4.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,956
-4.2% YoY+0.2% QoQ
|
+340 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$22.0M
-0.1% YoY+0.9% QoQ
|
$-8.2M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$14.3M
-4.5% YoY+0.1% QoQ
|
$-1.4M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$18.2M
+0.6% YoY+0.8% QoQ
|
$-7.5M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
-0.8%
-7.8% YoY-38.5% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.1% in tier |
| NIM |
4.5%
+9.8% YoY+2.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
81.7%
+8.7% YoY+2.3% QoQ
|
-0.9% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
2.7%
-58.5% YoY-33.7% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
78.5%
-5.1% YoY-0.7% QoQ
|
+17.9% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$11,014
+2.6% YoY+0.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
20.1%
+48.4% YoY+0.1% QoQ
|
-4.4% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)