BlastPoint's Credit Union Scorecard
DEER LODGE COUNTY SCHOOL EMP
Charter #10857 · MT
DEER LODGE COUNTY SCHOOL EMP demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +1.2% year over year ($8.4M in shares and deposits).
- Membership: 472 members, -1.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.77%.
- Efficiency ratio 47.08% vs a 88.77% peer average.
- Loan-to-share ratio 33.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
472
-1.9% YoY-0.8% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 12.7% in tier |
| Assets |
$9.7M
+2.8% YoY-1.9% QoQ
|
$-20.6M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$2.8M
-0.6% YoY+1.6% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$8.4M
+1.2% YoY-2.7% QoQ
|
$-17.4M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
1.8%
+6.7% YoY-2.5% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Top 13.7% in tier |
| NIM |
3.2%
+2.8% YoY-1.1% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
47.1%
-3.3% YoY+1.7% QoQ
|
-41.7% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
33.4%
-1.8% YoY+4.4% QoQ
|
-25.5% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.8% in tier |
| AMR |
$23,698
+2.6% YoY-0.8% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 11.3% in tier |
| CD Concentration |
1.5%
-80.7% YoY-75.2% QoQ
|
-23.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 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)