BlastPoint's Credit Union Scorecard

THE FAMILY FIRST

Charter #11364 · MT

<100M

2508 CUs in <100M nationally 24 in MT

THE FAMILY FIRST has 2 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

+ ROA 1.23% above tier average
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 2.69% above tier average
- Member decline: -3.8% YoY
- Total Delinquency Rate (60+ days): Bottom 7.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	1,689 -3.8% YoY-5.1% QoQ	-987	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	45%
Assets	$17.6M -4.5% YoY-1.3% QoQ	$-12.6M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	45%
Loans	$8.5M -15.8% YoY-16.7% QoQ	$-6.8M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	47%
Deposits	$15.7M -5.8% YoY-2.1% QoQ	$-10.1M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	46%

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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	1.4% -6.8% YoY-16.4% QoQ	+1.2%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	82%
NIM	4.2% +0.4% YoY-12.6% QoQ	+0.2%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	75.1% +22.3% YoY+10.6% QoQ	-15.5%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	4.2% +84.4% YoY+151.9% QoQ	+2.7	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	Bottom 7.3% in tier
Loan To Share	54.1% -10.6% YoY-14.8% QoQ	-4.4%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	43%
AMR	$14,283 -6.0% YoY-2.9% QoQ	$-601	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	52%
CD Concentration	0.9% +1.4% YoY-2.4% QoQ	-23.3%	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

402

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#402 of 2508 Top 16.0% in <100M tier

451

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.61%

#451 of 2508 Top 17.9% in <100M tier

620

Share Certificate Concentration (%)

balance_sheet

Value: 0.93%

Peer Median: 12.45%

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (5 metrics)

2327

Total Delinquency Rate (60+ days)

risk

Value: 4.20%

Peer Median: 0.65%

#2327 of 2508 Bottom 7.3% in <100M tier

2244

Loan Growth Rate

growth

Value: -15.79%

Peer Median: -2.36%

#2244 of 2508 Bottom 10.6% in <100M tier

2157

AMR Growth Rate

growth

Value: -6.03%

Peer Median: 1.27%

#2157 of 2508 Bottom 14.0% in <100M tier

2132

Deposit Growth Rate

growth

Value: -5.80%

Peer Median: 0.66%

#2132 of 2508 Bottom 15.0% in <100M tier

2115

Asset Growth Rate

growth

Value: -4.49%

Peer Median: 1.30%

#2115 of 2508 Bottom 15.7% in <100M tier