BlastPoint's Credit Union Scorecard
GRASSLANDS
Charter #11030 · MT
GRASSLANDS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 1.8% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,858
+0.7% YoY-0.2% QoQ
|
-11.3K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$139.5M
+13.9% YoY+7.4% QoQ
|
$-92.2M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$72.6M
+0.6% YoY-4.8% QoQ
|
$-71.6M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$121.6M
+16.9% YoY+9.6% QoQ
|
$-79.5M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.8%
-8.0% YoY-6.1% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.1%
-2.0% YoY-3.6% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
74.2%
-2.0% YoY-2.5% QoQ
|
-3.9% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.2%
-80.2% YoY+15.9% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 11.8% in tier |
| Loan To Share |
59.7%
-13.9% YoY-13.2% QoQ
|
-10.7% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$50,335
+9.5% YoY+3.9% QoQ
|
+$25K |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 2.3% in tier |
| CD Concentration |
38.8%
+12.1% YoY-0.6% QoQ
|
+14.5% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)