BlastPoint's Credit Union Scorecard

BILLINGS

Charter #887 · MT

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

BILLINGS has 4 strengths but faces 5 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 Leader: Top 59.1% in tier
  • + Organic Growth Engine: Top 84.5% in tier
  • + Loan-to-Share Ratio: Top 5.8% in tier
  • + Fee Income Per Member: Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 39.3% in tier
  • - Liquidity Strain: Bottom 59.9% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 11.22% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 12,985
+2.1% YoY+0.4% QoQ
 -2.5K 15,437
-2.9% YoY
 10,794
+3.9% YoY
 33,374
+5.7% YoY
 48%
Assets $217.5M
+2.1% YoY+1.7% QoQ
 $-14.3M $231.9M
+1.3% YoY
 $197.5M
+8.6% YoY
 $561.6M
+9.7% YoY
 56%
Loans $177.3M
+0.8% YoY-0.3% QoQ
 +$29.9M $147.3M
-0.1% YoY
 $129.1M
+6.1% YoY
 $397.0M
+8.8% YoY
 70%
Deposits $184.7M
+3.1% YoY+2.0% QoQ
 $-16.1M $200.8M
+0.8% YoY
 $168.5M
+7.6% YoY
 $477.3M
+9.7% YoY
 54%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.3%
-1733.1% YoY+3.7% QoQ
 -0.5% 0.8%
+18.2% YoY
 0.7%
-27.4% YoY
 0.7%
+15.9% YoY
 17%
NIM 3.3%
+6.5% YoY+1.2% QoQ
 -0.3% 3.6%
+6.7% YoY
 3.7%
+4.3% YoY
 3.8%
+5.1% YoY
 33%
Efficiency Ratio 88.2%
-4.2% YoY-0.4% QoQ
 +11.2% 77.0%
-3.1% YoY
 76.7%
+2.1% YoY
 79.7%
-3.3% YoY
 Top 13.5% in tier
Delinquency Rate 0.7%
-0.7% YoY-38.5% QoQ
 -0.2 0.9%
+4.2% YoY
 0.9%
-14.9% YoY
 1.3%
-2.1% YoY
 48%
Loan To Share 96.0%
-2.3% YoY-2.2% QoQ
 +23.8% 72.2%
-1.1% YoY
 67.3%
-2.3% YoY
 67.4%
-1.7% YoY
 Top 5.9% in tier
AMR $27,876
-0.1% YoY+0.4% QoQ
 +$3K $24,676
+3.4% YoY
 $21,802
+3.7% YoY
 $19,687
+2.0% YoY
 75%
CD Concentration 38.9%
-6.0% YoY-0.7% QoQ
 +14.4% 24.4% 17.9% 19.8% 50%
Indirect Auto % 0.1%
-38.0% YoY-15.0% QoQ
 -13.7% 13.8% 6.1% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#252 of 426 • Top 59.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.08%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.08%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#503 of 595 • Top 84.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.08%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.28%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.08%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk
#212 of 538 • Bottom 39.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.23%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.30% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 2.08%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk
#137 of 228 • Bottom 59.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.98%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 0.81%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 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)

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

63
Loan-to-Share Ratio
balance_sheet
Value: 95.98%
Peer Median: -
#63 of 1069 Top 5.8% in 100M-500M tier
69
Fee Income Per Member
profitability
Value: $290.45
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
167
Loan-to-Member Ratio (LMR)
engagement
Value: $13,652
Peer Median: -
#167 of 1069 Top 15.5% in 100M-500M tier

Top Weaknesses (5 metrics)

969
Share Certificate Concentration (%)
balance_sheet
Value: 38.86%
Peer Median: -
#969 of 1069 Bottom 9.4% in 100M-500M tier
926
Efficiency Ratio
profitability
Value: 88.23%
Peer Median: -
#926 of 1069 Bottom 13.5% in 100M-500M tier
889
Return on Assets (ROA)
profitability
Value: 0.28%
Peer Median: -
#889 of 1069 Bottom 16.9% in 100M-500M tier
888
First Mortgage Concentration (%)
balance_sheet
Value: 47.52%
Peer Median: -
#888 of 1069 Bottom 17.0% in 100M-500M tier
876
AMR Growth Rate
growth
Value: -0.10%
Peer Median: -
#876 of 1069 Bottom 18.1% in 100M-500M tier
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