BlastPoint's Credit Union Scorecard
ST. PATS EMPLOYEES
Charter #19017 · MT
ST. PATS EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
- + Members Per Employee (MPE): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.74% above tier average
- - Member decline: -2.7% YoY
- - Fee Income Per Member: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
649
-2.7% YoY-1.4% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$5.5M
-1.5% YoY-0.8% QoQ
|
$-24.7M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.0M
-8.4% YoY-5.1% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$4.8M
-3.0% YoY-1.1% QoQ
|
$-21.0M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
1.0%
-36.9% YoY-20.7% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
2.7%
+10.2% YoY+0.8% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
64.6%
-4.5% YoY+4.2% QoQ
|
-26.0% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
2.2%
+26.1% YoY+31.7% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
41.4%
-5.6% YoY-4.0% QoQ
|
-17.1% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$10,473
-2.0% YoY-1.0% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
31.9%
-15.6% YoY-6.4% QoQ
|
+7.6% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.7% | 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)