BlastPoint's Credit Union Scorecard
NORTHERN MONTANA HOSPITAL
Charter #19285 · MT
NORTHERN MONTANA HOSPITAL has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.0% YoY
- - Total Members: Bottom 4.3% in tier
- - Total Assets: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Total Loans: Bottom 7.5% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188
-6.0% YoY-2.6% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$1.0M
+2.2% YoY-1.3% QoQ
|
$-29.1M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.7% in tier |
| Loans |
$478,291
-16.4% YoY-8.2% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.4% in tier |
| Deposits |
$927,309
+2.5% YoY-1.5% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.3%
-61.3% YoY+176.5% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
3.2%
-4.4% YoY-7.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
78.9%
+7.3% YoY+14.4% QoQ
|
-11.8% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.6%
-18.5% YoY-6.8% QoQ
|
-6.9% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$7,477
+1.2% YoY-1.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration | 0.0% | -24.3% | 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)