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
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
- - Member decline: -9.3% YoY
- - Total Members: Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Total Assets: Bottom 5.0% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Total Deposits: Bottom 5.9% 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 -11.4% year over year ($865K in shares and deposits).
- Membership: 185 members, -9.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.19%.
- Efficiency ratio 81.03% vs a 88.77% peer average.
- Loan-to-share ratio 52.91% 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 |
185
-9.3% YoY-1.6% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 4.1% in tier |
| Assets |
$981,745
-10.3% YoY-6.0% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.9% in tier |
| Loans |
$457,852
-11.8% YoY-4.3% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.1% in tier |
| Deposits |
$865,416
-11.4% YoY-6.7% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.2%
-31.8% YoY-30.6% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.0% in tier |
| NIM |
3.6%
+3.2% YoY+10.9% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
81.0%
+19.7% YoY+2.7% QoQ
|
-7.7% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
52.9%
-0.4% YoY+2.6% QoQ
|
-6.0% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$7,153
-2.5% YoY-4.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration | 0.0% | -24.6% | 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)