BlastPoint's Credit Union Scorecard

BITTERROOT COMMUNITY

Charter #18964 · MT

<100M

2556 CUs in <100M nationally 24 in MT

BITTERROOT COMMUNITY has 2 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 0.46% above tier average
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 5.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	2,148 +0.7% YoY-0.2% QoQ	-467	2,615 -1.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	54%
Assets	$18.8M +8.2% YoY+1.0% QoQ	$-11.4M	$30.1M +2.1% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	46%
Loans	$8.1M -3.0% YoY-0.4% QoQ	$-7.6M	$15.8M -1.3% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	45%
Deposits	$17.1M +7.2% YoY+0.6% QoQ	$-8.6M	$25.7M +1.4% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	48%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.1% +20.1% YoY-9.7% QoQ	+0.5%	0.6% +10.8% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	69%
NIM	4.1% +7.8% YoY+2.0% QoQ	+0.1%	4.0% +4.0% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	77.8% -0.8% YoY+0.6% QoQ	-4.8%	82.6% -2.3% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.6% +7.6% QoQ	-1.0	1.6% -3.1% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	45%
Loan To Share	47.6% -9.5% YoY-0.9% QoQ	-13.0%	60.6% -3.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	30%
AMR	$11,747 +2.9% YoY+0.5% QoQ	$-3K	$14,783 -1.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	38%
CD Concentration	1.3% -31.1% YoY-12.8% QoQ	-23.2%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

324

Asset Growth Rate

growth

Value: 8.17%

Peer Median: -

#324 of 2556 Top 12.6% in <100M tier

420

Deposit Growth Rate

growth

Value: 7.16%

Peer Median: -

#420 of 2556 Top 16.4% in <100M tier

Top Weaknesses (1 metrics)

2406

Net Worth Ratio

risk

Value: 8.29%

Peer Median: -

#2406 of 2556 Bottom 5.9% in <100M tier