BlastPoint's Credit Union Scorecard

DEER LODGE COUNTY SCHOOL EMP

Charter #10857 · MT

<100M

2508 CUs in <100M nationally 24 in MT

DEER LODGE COUNTY SCHOOL EMP demonstrates 3 strengths

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.67% 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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	476 -0.4% YoY-0.6% QoQ	-2.2K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Bottom 12.9% in tier
Assets	$9.9M +8.0% YoY+7.1% QoQ	$-20.3M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	31%
Loans	$2.8M -2.6% YoY-4.5% QoQ	$-12.5M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	23%
Deposits	$8.6M +7.0% YoY+7.6% QoQ	$-17.2M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	33%

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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	1.8% +20.3% YoY+4.8% QoQ	+1.7%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	Top 8.9% in tier
NIM	3.3% +8.0% YoY-0.3% QoQ	-0.8%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	46.3% -11.1% YoY-4.6% QoQ	-44.3%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	Top 3.4% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	32.0% -9.0% YoY-11.2% QoQ	-26.5%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Bottom 13.1% in tier
AMR	$23,886 +4.9% YoY+5.0% QoQ	+$9K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	Top 10.6% in tier
CD Concentration	5.9% -30.8% YoY-15.2% QoQ	-18.3%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Efficiency Ratio

profitability

Value: 46.31%

Peer Median: 81.45%

#87 of 2508 Top 3.4% in <100M tier

223

Return on Assets (ROA)

profitability

Value: 1.82%

Peer Median: 0.61%

#223 of 2508 Top 8.9% in <100M tier

267

Average Member Relationship (AMR)

engagement

Value: $23,886

Peer Median: $13,926

#267 of 2508 Top 10.6% in <100M tier

291

Asset Growth Rate

growth

Value: 8.00%

Peer Median: 1.30%

#291 of 2508 Top 11.6% in <100M tier

392

Deposit Growth Rate

growth

Value: 7.00%

Peer Median: 0.66%

#392 of 2508 Top 15.6% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (4 metrics)

2183

Total Members

engagement

Value: 476

Peer Median: 1,918

#2183 of 2508 Bottom 13.0% in <100M tier

2177

Loan-to-Share Ratio

balance_sheet

Value: 32.01%

Peer Median: 58.72%

#2177 of 2508 Bottom 13.2% in <100M tier

1933

Total Loans

balance_sheet

Value: $2.76M

Peer Median: $9.48M

#1933 of 2508 Bottom 23.0% in <100M tier

1910

Members Per Employee (MPE)

engagement

Value: 238.000

Peer Median: 333.750

#1910 of 2508 Bottom 23.9% in <100M tier