BlastPoint's Credit Union Scorecard

1ST LIBERTY

Charter #10375 · MT

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

1ST LIBERTY has 1 strength but faces 12 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

+ Share Certificate Concentration (%): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 34.7% in tier
- Cost Spiral: Bottom 42.2% in tier
- Stagnation Risk: Bottom 43.6% in tier
- Membership Headwinds: Bottom 47.7% in tier
- Institutional Decline: Bottom 60.7% in tier
- Credit Quality Pressure: Bottom 62.6% in tier
- Efficiency Drag: Bottom 77.7% in tier
- ROA 0.23% below tier average
- Efficiency ratio 8.01% above tier (higher cost structure)
- Member decline: -2.9% YoY
- Loan-to-Share Ratio: Bottom 7.7% in tier
- Indirect Auto Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	14,501 -2.9% YoY-0.7% QoQ	-936	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	56%
Assets	$215.8M +2.5% YoY+3.2% QoQ	$-16.0M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	55%
Loans	$84.6M -2.9% YoY+1.3% QoQ	$-62.8M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	25%
Deposits	$184.0M +0.8% YoY+3.2% QoQ	$-16.8M	$200.8M +0.8% 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)

AI-generated insights and rankings

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ROA	0.5% -55.7% YoY-3.9% QoQ	-0.2%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	34%
NIM	3.4% +0.5% YoY-0.3% QoQ	-0.2%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	36%
Efficiency Ratio	85.0% +16.4% YoY+0.2% QoQ	+8.0%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.5% +35.0% YoY+17.2% QoQ	-0.4	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	34%
Loan To Share	46.0% -3.7% YoY-1.9% QoQ	-26.3%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	Bottom 7.6% in tier
AMR	$18,521 +2.5% YoY+3.3% QoQ	$-6K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	24%
CD Concentration	7.6% +12.1% YoY+1.0% QoQ	-16.8%	24.4%	17.9%	19.8%	50%
Indirect Auto %	37.0% -0.5% YoY+2.2% QoQ	+23.2%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Indirect Auto Dependency

risk

#176 of 506 • Bottom 34.7% in tier

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

Why This Signature

Asset Growth (YoY): 2.52%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 37.00%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Cost Spiral

risk

#20 of 46 • Bottom 42.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 11.95% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 66.15%

(Tier: 60.04%, National: 63.66%)

worse than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Stagnation Risk

risk

#242 of 554 • Bottom 43.6% 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): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.94%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.52%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#265 of 554 • Bottom 47.7% in tier

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

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#146 of 240 • Bottom 60.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $215.83M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.94%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Credit Quality Pressure

risk

#442 of 705 • Bottom 62.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#418 of 538 • Bottom 77.7% in tier

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

Why This Signature

Efficiency Ratio: 85.02%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.67% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | 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 1069 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.58%

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

228

Net Worth Ratio

risk

Value: 14.08%

Peer Median: -

#228 of 1069 Top 21.2% in 100M-500M tier

Top Weaknesses (8 metrics)

988

Loan-to-Share Ratio

balance_sheet

Value: 45.96%

Peer Median: -

#988 of 1069 Bottom 7.7% in 100M-500M tier

966

Indirect Auto Concentration (%)

balance_sheet

Value: 37.00%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

942

Loan-to-Member Ratio (LMR)

engagement

Value: $5,832

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

869

Loan Growth Rate

growth

Value: -2.94%

Peer Median: -

#869 of 1069 Bottom 18.8% in 100M-500M tier

853

Member Growth Rate

growth

Value: -2.86%

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier

839

Deposit Growth Rate

growth

Value: 0.79%

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier

838

Efficiency Ratio

profitability

Value: 85.02%

Peer Median: -

#838 of 1069 Bottom 21.7% in 100M-500M tier

809

Average Member Relationship (AMR)

engagement

Value: $18,521

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier