BlastPoint's Credit Union Scorecard
M D U EMPLOYEES
Charter #11331 · MT
M D U EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 2.66% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 5.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +1.1% year over year ($3.3M in shares and deposits).
- Membership: 485 members, -1.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.33%.
- Efficiency ratio 91.42% vs a 88.77% peer average.
- Loan-to-share ratio 77.91% vs a 58.89% 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 |
485
-1.4% YoY-0.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 13.1% in tier |
| Assets |
$4.0M
+1.8% YoY-0.5% QoQ
|
$-26.2M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.6M
-0.3% YoY-1.7% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$3.3M
+1.1% YoY-0.6% QoQ
|
$-22.5M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.3%
-53.0% YoY-29.1% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.9%
+3.1% YoY+0.8% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
91.4%
+12.6% YoY+4.1% QoQ
|
+2.7% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.9%
-1.4% YoY-1.0% QoQ
|
+19.0% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$12,247
+1.9% YoY-0.9% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
15.9%
-2.7% YoY+10.1% QoQ
|
-8.7% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)