BlastPoint's Credit Union Scorecard

BITTERROOT COMMUNITY

Charter #18964 · MT

<100M

2508 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 0.70% above tier average
+ Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	2,168 +1.2% YoY+0.9% QoQ	-508	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	55%
Assets	$18.6M +3.9% YoY-1.0% QoQ	$-11.6M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	46%
Loans	$7.9M -2.1% YoY-2.7% QoQ	$-7.4M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	45%
Deposits	$17.0M +3.4% YoY-0.8% QoQ	$-8.8M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	48%

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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	0.8% -14.3% YoY-21.4% QoQ	+0.7%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	62%
NIM	4.3% +9.1% YoY+5.9% QoQ	+0.3%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	80.7% -0.4% YoY+3.8% QoQ	-9.9%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.5% +600.8% YoY-14.7% QoQ	-1.0	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	43%
Loan To Share	46.7% -5.3% YoY-1.9% QoQ	-11.8%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	32%
AMR	$11,477 +0.4% YoY-2.3% QoQ	$-3K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	36%
CD Concentration	1.3% -14.6% YoY+1.0% QoQ	-23.0%	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 (3 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

560

Member Growth Rate

growth

Value: 1.17%

Peer Median: -1.37%

#560 of 2508 Top 22.3% in <100M tier

Top Weaknesses (1 metrics)

2315

Net Worth Ratio

risk

Value: 8.58%

Peer Median: 14.28%

#2315 of 2508 Bottom 7.7% in <100M tier