BlastPoint's Credit Union Scorecard
M D U EMPLOYEES
Charter #11331 · MT
M D U EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
485
-1.6% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Bottom 13.2% in tier |
| Assets |
$4.1M
+1.1% YoY+1.6% QoQ
|
$-26.1M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.7M
-4.0% YoY+3.8% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$3.4M
+0.8% YoY+1.8% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.5%
-52.2% YoY-30.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.8%
-8.7% YoY-2.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
86.7%
+16.3% YoY+6.6% QoQ
|
+4.1% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
79.6%
-4.8% YoY+1.9% QoQ
|
+19.0% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$12,514
+0.3% YoY+3.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
19.7%
+9.9% YoY+13.0% QoQ
|
-4.7% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 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)