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
- + ROA 0.27% above tier average
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 1.8% in tier
- - Share Certificate Concentration (%): Bottom 6.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Montana.
- Shares and deposits +13.0% year over year ($121M in shares and deposits).
- Membership: 3,875 members, +0.4% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 1.13%.
- Efficiency ratio 68.94% vs a 76.73% peer average.
- Loan-to-share ratio 61.43% vs a 71.54% 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 |
3,875
+0.4% YoY+0.4% QoQ
|
-11.3K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 1.7% in tier |
| Assets |
$141.5M
+9.1% YoY+1.4% QoQ
|
$-90.6M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$74.0M
-1.4% YoY+2.0% QoQ
|
$-72.2M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$120.5M
+13.0% YoY-0.9% QoQ
|
$-80.2M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
1.1%
+22.3% YoY+50.4% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.1%
+0.9% YoY+1.8% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
68.9%
-6.3% YoY-7.0% QoQ
|
-7.8% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.0%
-86.2% YoY-75.0% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 2.4% in tier |
| Loan To Share |
61.4%
-12.8% YoY+2.9% QoQ
|
-10.1% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$50,214
+6.7% YoY-0.2% QoQ
|
+$25K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 2.5% in tier |
| CD Concentration |
41.5%
+21.1% YoY+7.2% QoQ
|
+17.0% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
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.
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)