BlastPoint's Credit Union Scorecard
ST. PATS EMPLOYEES
Charter #19017 · MT
ST. PATS EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Members Per Employee (MPE): Top 5.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.15% above tier average
- - Member decline: -2.1% YoY
- - Fee Income Per Member: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
658
-2.1% YoY-0.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$5.5M
+0.7% YoY+1.1% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.1M
-13.4% YoY-0.9% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$4.9M
-0.6% YoY+0.9% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.2%
+105.0% YoY-0.7% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.7%
+11.0% YoY+1.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
62.0%
-10.0% YoY-2.3% QoQ
|
-20.6% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
1.7%
-23.4% YoY-27.8% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
43.1%
-12.9% YoY-1.8% QoQ
|
-17.5% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$10,576
-2.8% YoY+1.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
34.0%
-21.6% YoY+18.0% QoQ
|
+9.6% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 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)