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BlastPoint's Credit Union Scorecard

MILE HIGH

Charter #1739 · MT

<100M
2437 CUs in <100M nationally 24 in MT

MILE HIGH has 1 strength but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.86% below tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
  • Shares and deposits +1.3% year over year ($25.6M in shares and deposits).
  • Membership: 1,715 members, -1.8% vs a year ago.
  • Delinquency rate 0.00%.
  • Return on assets 0.63%.
  • Efficiency ratio 84.78% vs a 88.77% peer average.
  • Loan-to-share ratio 38.42% vs a 58.89% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 1,715
-1.8% YoY-0.3% QoQ
-870 2,585
-1.7% YoY
10,566
-1.9% YoY
34,678
+6.6% YoY
46%
Assets $30.2M
+2.2% YoY+3.2% QoQ
$-108K $30.3M
+1.5% YoY
$194.5M
+2.8% YoY
$593.1M
+10.2% YoY
60%
Loans $9.8M
-2.6% YoY+0.6% QoQ
$-5.6M $15.5M
-1.7% YoY
$131.1M
+3.2% YoY
$418.6M
+10.1% YoY
51%
Deposits $25.6M
+1.3% YoY+3.3% QoQ
$-176K $25.8M
+1.1% YoY
$167.3M
+2.4% YoY
$504.8M
+10.3% YoY
60%

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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 0.6%
-56.9% YoY-3.7% QoQ
-0.9% 1.5%
+241.5% YoY
0.9%
+32.5% YoY
1.2%
+121.4% YoY
39%
NIM 3.8%
-9.6% YoY-1.0% QoQ
-0.1% 3.9%
+0.9% YoY
3.7%
-0.1% YoY
3.8%
+2.3% YoY
46%
Efficiency Ratio 84.8%
+21.6% YoY-1.2% QoQ
-4.0% 88.8%
-6.9% YoY
77.6%
+2.2% YoY
83.0%
-5.3% YoY
60%
Delinquency Rate 0.0% -1.5 1.5%
+2.1% YoY
0.8%
+6.4% YoY
1.3%
+2.6% YoY
Top 0.1% in tier
Loan To Share 38.4%
-3.8% YoY-2.6% QoQ
-20.5% 58.9%
-3.1% YoY
65.5%
-4.7% YoY
66.4%
-1.4% YoY
20%
AMR $20,684
+2.0% YoY+2.9% QoQ
+$6K $14,963
-6.8% YoY
$22,069
+4.9% YoY
$20,028
-0.9% YoY
80%
CD Concentration 5.3%
+47.2% YoY+15.3% QoQ
-19.2% 24.6% 18.0% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 5.7% 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)

Comparing against 2437 peers in tier

Top Strengths (5 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.70%
#1 of 2437 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
432
Fee Income Per Member
profitability
Value: $132.42
Peer Median: $63.89
#432 of 2437 Top 17.7% in <100M tier
485
Average Member Relationship (AMR)
engagement
Value: $20,684
Peer Median: $13,967
#485 of 2437 Top 19.9% in <100M tier

Top Weaknesses (1 metrics)

1950
Loan-to-Share Ratio
balance_sheet
Value: 38.42%
Peer Median: 58.67%
#1950 of 2437 Bottom 20.0% in <100M tier
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