BlastPoint's Credit Union Scorecard

M D U EMPLOYEES

Charter #11331 · MT

<100M

2508 CUs in <100M nationally 24 in MT

M D U EMPLOYEES has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.32% above tier average

Key Concerns

Areas that may need attention

- Fee Income Per Member: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	486 -1.6% YoY+0.2% QoQ	-2.2K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Bottom 13.2% in tier
Assets	$4.1M -2.5% YoY-0.5% QoQ	$-26.1M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	16%
Loans	$2.6M -2.1% YoY-1.7% QoQ	$-12.6M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	22%
Deposits	$3.4M -3.7% YoY-0.6% QoQ	$-22.4M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	17%

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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	0.5% -33.8% YoY-6.8% QoQ	+0.3%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	43%
NIM	3.8% +5.0% YoY+1.9% QoQ	-0.2%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	87.8% +8.9% YoY+1.3% QoQ	-2.8%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.5%	-1.0	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	42%
Loan To Share	78.7% +1.7% YoY-1.1% QoQ	+20.2%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	80%
AMR	$12,356 -1.4% YoY-1.3% QoQ	$-3K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	41%
CD Concentration	14.4% -9.5% YoY-26.8% QoQ	-9.9%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

496

Loan-to-Share Ratio

balance_sheet

Value: 78.71%

Peer Median: 58.72%

#496 of 2508 Top 19.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (7 metrics)

2337

Fee Income Per Member

profitability

Value: $0.52

Peer Median: $60.42

#2337 of 2508 Bottom 6.9% in <100M tier

2173

Total Members

engagement

Value: 486

Peer Median: 1,918

#2173 of 2508 Bottom 13.4% in <100M tier

2110

Total Assets

balance_sheet

Value: $4.06M

Peer Median: $21.86M

#2110 of 2508 Bottom 15.9% in <100M tier

2088

Total Deposits

balance_sheet

Value: $3.36M

Peer Median: $18.77M

#2088 of 2508 Bottom 16.8% in <100M tier

1948

Total Loans

balance_sheet

Value: $2.64M

Peer Median: $9.48M

#1948 of 2508 Bottom 22.4% in <100M tier

1909

Deposit Growth Rate

growth

Value: -3.75%

Peer Median: 0.66%

#1909 of 2508 Bottom 23.9% in <100M tier

1884

Asset Growth Rate

growth

Value: -2.54%

Peer Median: 1.30%

#1884 of 2508 Bottom 24.9% in <100M tier