BlastPoint's Credit Union Scorecard
ST. PATS EMPLOYEES
Charter #19017 · MT
ST. PATS EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Member decline: -4.2% YoY
- - Loan Growth Rate: Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 6.7% in tier
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 -2.9% year over year ($4.7M in shares and deposits).
- Membership: 641 members, -4.2% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 1.03%.
- Efficiency ratio 63.92% vs a 88.77% peer average.
- Loan-to-share ratio 37.72% 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 |
641
-4.2% YoY-1.2% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$5.4M
-1.4% YoY-1.6% QoQ
|
$-24.9M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$1.8M
-21.2% YoY-10.7% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$4.7M
-2.9% YoY-2.0% QoQ
|
$-21.1M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
1.0%
-9.9% YoY+7.6% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
2.8%
+16.1% YoY+5.6% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
63.9%
-6.3% YoY-1.0% QoQ
|
-24.8% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
1.0%
-50.2% YoY-55.2% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
37.7%
-18.8% YoY-8.8% QoQ
|
-21.2% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$10,118
-4.7% YoY-3.4% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
29.2%
-32.0% YoY-8.4% QoQ
|
+4.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 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)