BlastPoint's Credit Union Scorecard
RAVALLI COUNTY
Charter #19732 · MT
RAVALLI COUNTY has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.50% above tier average
- + Net Interest Margin 0.51% above tier average
- + Net Charge-Off Rate: Top 2.5% in tier
- + Total Loans: Top 2.7% in tier
- + Total Assets: Top 5.8% in tier
- + Total Deposits: Top 5.9% in tier
- + Total Members: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,118
+3.0% YoY-0.2% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Top 8.6% in tier |
| Assets |
$84.9M
+8.9% YoY+2.6% QoQ
|
+$54.8M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Top 5.8% in tier |
| Loans |
$57.6M
+6.7% YoY+2.1% QoQ
|
+$41.9M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Top 2.8% in tier |
| Deposits |
$72.8M
+7.9% YoY+2.9% QoQ
|
+$47.1M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Top 6.0% in tier |
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| ROA |
2.1%
+4.5% YoY-3.9% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Top 5.7% in tier |
| NIM |
4.5%
+7.3% YoY-3.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
61.2%
-4.2% YoY+0.0% QoQ
|
-21.3% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
0.0%
-59.3% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Top 14.9% in tier |
| Loan To Share |
79.1%
-1.1% YoY-0.7% QoQ
|
+18.5% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$21,318
+4.2% YoY+2.7% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
17.1%
+1.2% YoY-1.2% QoQ
|
-7.4% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
15.2%
+22.7% YoY-1.0% QoQ
|
+1.4% | 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)