BlastPoint's Credit Union Scorecard

GRASSLANDS

Charter #11030 · MT

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

GRASSLANDS has 11 strengths but faces 3 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

+ Relationship Depth Leader: Top 61.4% in tier
+ Organic Growth Engine: Top 63.5% in tier
+ Organic Growth Leader: Top 82.8% in tier
+ Emerging Performer: Top 96.1% in tier
+ ROA 0.04% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 2.7% in tier
+ Loan-to-Member Ratio (LMR): Top 4.0% in tier
+ Deposit Growth Rate: Top 6.8% in tier
+ Total Delinquency Rate (60+ days): Top 7.6% in tier
+ Asset Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Total Members: Bottom 1.6% in tier
- Members Per Employee (MPE): Bottom 7.5% in tier
- Share Certificate Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	3,865 +1.1% YoY+0.3% QoQ	-11.6K	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	Bottom 1.5% in tier
Assets	$130.0M +10.8% YoY+5.3% QoQ	$-101.9M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	20%
Loans	$76.3M -3.5% YoY-2.1% QoQ	$-71.1M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	20%
Deposits	$110.9M +12.2% YoY+6.6% QoQ	$-89.9M	$200.8M +0.8% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	18%

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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	0.8% -6.3% YoY-19.0% QoQ	+0.0%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	54%
NIM	3.2% +2.5% YoY-0.2% QoQ	-0.4%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	76.0% +4.1% YoY+6.3% QoQ	-1.0%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.2% -68.5% YoY-47.9% QoQ	-0.7	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	Bottom 7.6% in tier
Loan To Share	68.8% -13.9% YoY-8.2% QoQ	-3.4%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	40%
AMR	$48,433 +4.1% YoY+2.6% QoQ	+$24K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	Top 2.8% in tier
CD Concentration	39.0% +11.9% YoY+0.3% QoQ	+14.6%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#165 of 268 • Top 61.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.10%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $6.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Organic Growth Engine

growth

#378 of 595 • Top 63.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.80%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#353 of 426 • Top 82.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.10%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#175 of 182 • Top 96.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.10%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,433

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,738

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.20%

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: -

#82 of 1069 Top 7.6% in 100M-500M tier

101

Asset Growth Rate

growth

Value: 10.81%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

230

Net Worth Ratio

risk

Value: 14.07%

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1053

Total Members

engagement

Value: 3,865

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

990

Members Per Employee (MPE)

engagement

Value: 214.722

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

970

Share Certificate Concentration (%)

balance_sheet

Value: 38.99%

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

897

Loan Growth Rate

growth

Value: -3.45%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

872

Total Deposits

balance_sheet

Value: $110.91M

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

866

Fee Income Per Member

profitability

Value: $109.09

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

857

Total Loans

balance_sheet

Value: $76.29M

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier

854

Total Assets

balance_sheet

Value: $129.99M

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier