BlastPoint's Credit Union Scorecard
THE FAMILY FIRST
Charter #11364 · MT
THE FAMILY FIRST has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.03% above tier average
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.11% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,779
0% YoY+3.7% QoQ
|
-836 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$17.9M
0% YoY+3.6% QoQ
|
$-12.3M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$10.2M
0% YoY+12.2% QoQ
|
$-5.6M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$16.0M
0% YoY+4.5% QoQ
|
$-9.7M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.6%
+0.3% YoY-1.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Top 12.5% in tier |
| NIM |
4.8%
+0.3% YoY+0.1% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
67.9%
0% YoY+14.3% QoQ
|
-14.7% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.7%
0% YoY-48.7% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
63.5%
0% YoY+7.4% QoQ
|
+2.9% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$14,703
0% YoY+3.6% QoQ
|
$-79 |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
1.0%
0% YoY-3.2% QoQ
|
-23.5% | 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)