BlastPoint's Credit Union Scorecard
NORTHERN MONTANA HOSPITAL
Charter #19285 · MT
NORTHERN MONTANA HOSPITAL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Member decline: -4.9% YoY
- - Total Members: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - Total Assets: Bottom 5.9% in tier
- - Total Deposits: Bottom 6.8% in tier
- - Total Loans: Bottom 7.6% in tier
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
193
-4.9% YoY+2.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$1.1M
-3.4% YoY+5.6% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.8% in tier |
| Loans |
$521,217
-11.7% YoY+4.1% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.6% in tier |
| Deposits |
$941,596
-3.9% YoY+6.6% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.7% in tier |
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| ROA |
0.1%
-94.3% YoY-55.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.5%
-6.0% YoY+1.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
68.9%
+5.5% YoY-0.8% QoQ
|
-13.6% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.3%
-73.7% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
55.4%
-8.1% YoY-2.3% QoQ
|
-5.3% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$7,579
-2.0% YoY+3.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 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)