BlastPoint's Credit Union Scorecard

1ST LIBERTY

Charter #10375 · MT

100M-500M

1070 CUs in 100M-500M nationally 13 in MT

1ST LIBERTY has 2 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Share Certificate Concentration (%): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 6.52% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	14,437 -2.4% YoY-0.4% QoQ	-708	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	56%
Assets	$217.5M +2.9% YoY+0.8% QoQ	$-14.2M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	56%
Loans	$88.0M +4.1% YoY+4.1% QoQ	$-56.1M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	29%
Deposits	$186.2M +2.2% YoY+1.2% QoQ	$-15.0M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -49.6% YoY-48.4% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	21%
NIM	3.3% +1.4% YoY-1.2% QoQ	-0.3%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	84.5% -0.2% YoY-0.6% QoQ	+6.5%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.3% +13.5% YoY-36.4% QoQ	-0.4	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	25%
Loan To Share	47.3% +1.9% YoY+2.9% QoQ	-23.1%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Bottom 9.2% in tier
AMR	$18,994 +5.3% YoY+2.6% QoQ	$-6K	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	27%
CD Concentration	7.9% +9.0% YoY+4.5% QoQ	-16.3%	24.3%	18.1%	19.8%	50%
Indirect Auto %	35.4% -4.9% YoY-4.4% QoQ	+21.6%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#450 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#158 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.90%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 35.38%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#311 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#390 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#450 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.13%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#611 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#412 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 4.13%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.93%

Peer Median: 23.10%

#80 of 1070 Top 7.4% in 100M-500M tier

214

Net Worth Ratio

risk

Value: 14.04%

Peer Median: 11.45%

#214 of 1070 Top 19.9% in 100M-500M tier

266

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.61%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (6 metrics)

972

Loan-to-Share Ratio

balance_sheet

Value: 47.29%

Peer Median: 71.88%

#972 of 1070 Bottom 9.3% in 100M-500M tier

955

Indirect Auto Concentration (%)

balance_sheet

Value: 35.38%

Peer Median: 6.61%

#955 of 1070 Bottom 10.8% in 100M-500M tier

912

Members Per Employee (MPE)

engagement

Value: 236.672

Peer Median: 309.176

#912 of 1070 Bottom 14.9% in 100M-500M tier

912

Loan-to-Member Ratio (LMR)

engagement

Value: $6,098

Peer Median: $9,356

#912 of 1070 Bottom 14.9% in 100M-500M tier

845

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.69%

#845 of 1070 Bottom 21.1% in 100M-500M tier

813

Member Growth Rate

growth

Value: -2.41%

Peer Median: -0.06%

#813 of 1070 Bottom 24.1% in 100M-500M tier