BlastPoint's Credit Union Scorecard

WOLF POINT

Charter #15375 · MT

<100M

2508 CUs in <100M nationally 24 in MT

WOLF POINT has 3 strengths 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 0.54% above tier average
+ Net Charge-Off Rate: Top 5.1% in tier
+ Loan Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.08% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	3,236 +2.1% YoY+0.0% QoQ	+559	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	71%
Assets	$23.0M +5.1% YoY+8.3% QoQ	$-7.2M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	51%
Loans	$11.0M +11.5% YoY-2.7% QoQ	$-4.3M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	54%
Deposits	$19.0M +4.7% YoY+9.2% QoQ	$-6.8M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -36.1% YoY-49.1% QoQ	+0.5%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	54%
NIM	3.1% -20.2% YoY-23.4% QoQ	-0.9%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	68.8% -2.7% YoY+8.3% QoQ	-21.9%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	1.6% +76.3% YoY+41.2% QoQ	+0.1	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	76%
Loan To Share	57.7% +6.5% YoY-11.0% QoQ	-0.8%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	49%
AMR	$9,268 +4.9% YoY+4.5% QoQ	$-6K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	24%
CD Concentration	12.0% +41.7% YoY+21.7% QoQ	-12.3%	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 (9 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

130

Net Charge-Off Rate

risk

Value: -0.28%

Peer Median: 0.07%

#130 of 2508 Top 5.1% in <100M tier

211

Loan Growth Rate

growth

Value: 11.49%

Peer Median: -2.36%

#211 of 2508 Top 8.4% in <100M tier

283

Members Per Employee (MPE)

engagement

Value: 539.333

Peer Median: 333.750

#283 of 2508 Top 11.2% in <100M tier

411

Member Growth Rate

growth

Value: 2.11%

Peer Median: -1.37%

#411 of 2508 Top 16.3% in <100M tier

582

Asset Growth Rate

growth

Value: 5.14%

Peer Median: 1.30%

#582 of 2508 Top 23.2% in <100M tier

598

Efficiency Ratio

profitability

Value: 68.78%

Peer Median: 81.45%

#598 of 2508 Top 23.8% in <100M tier

617

Deposit Growth Rate

growth

Value: 4.72%

Peer Median: 0.66%

#617 of 2508 Top 24.6% in <100M tier

Top Weaknesses (3 metrics)

1997

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.83%

#1997 of 2508 Bottom 20.4% in <100M tier

1899

Average Member Relationship (AMR)

engagement

Value: $9,268

Peer Median: $13,926

#1899 of 2508 Bottom 24.3% in <100M tier

1897

Total Delinquency Rate (60+ days)

risk

Value: 1.58%

Peer Median: 0.65%

#1897 of 2508 Bottom 24.4% in <100M tier