BlastPoint's Credit Union Scorecard
CLEARWATER
Charter #11300 · MT
CLEARWATER has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 24.3% in tier
- + Organic Growth Engine: Top 27.2% in tier
- + Organic Growth Leader: Top 27.2% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.1% in tier
- - Credit Risk Growth: Bottom 60.5% in tier
- - Efficiency ratio 0.12% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 2 that size in Montana.
- Shares and deposits +5.6% year over year ($945M in shares and deposits).
- Membership: 67,843 members, +4.4% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 1.13%.
- Efficiency ratio 73.14% vs a 73.02% peer average.
- Loan-to-share ratio 89.17% vs a 84.71% 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 |
67,843
+4.4% YoY+0.9% QoQ
|
-29.0K |
96,861
-1.9% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$1.2B
+5.2% YoY+1.2% QoQ
|
$-559.2M |
$1.7B
+0.4% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$842.8M
+4.3% YoY-0.7% QoQ
|
$-391.5M |
$1.2B
+0.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$945.2M
+5.6% YoY+0.8% QoQ
|
$-518.2M |
$1.5B
+0.5% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.0% in tier |
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| ROA |
1.1%
+29.2% YoY+20.8% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.7%
+9.0% YoY-0.6% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
73.1%
+0.1% YoY+1.1% QoQ
|
+0.1% |
73.0%
-2.7% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.7%
+347.8% YoY+47.3% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
89.2%
-1.3% YoY-1.5% QoQ
|
+4.5% |
84.7%
+0.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$26,354
+0.6% YoY-0.9% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
19.2%
-5.8% YoY-1.0% QoQ
|
-9.9% | 29.1% | 18.0% | 20.0% | Bottom 12.0% in tier |
| Indirect Auto % |
10.1%
-4.4% YoY-0.1% QoQ
|
-7.9% | 18.1% | 5.7% | 7.7% | 37% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)