BlastPoint's Credit Union Scorecard
RAVALLI COUNTY
Charter #19732 · MT
RAVALLI COUNTY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Loans: Top 2.7% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Total Assets: Top 4.0% in tier
- + Total Deposits: Top 4.8% in tier
- + Deposit Growth Rate: Top 4.9% in tier
- + Total Members: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.9% 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 +13.0% year over year ($75.7M in shares and deposits).
- Membership: 6,327 members, +4.5% vs a year ago.
- Delinquency rate 0.02%.
- Return on assets 1.81%.
- Efficiency ratio 59.74% vs a 88.77% peer average.
- Loan-to-share ratio 75.65% 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 |
6,327
+4.5% YoY+0.9% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Top 7.3% in tier |
| Assets |
$89.4M
+13.6% YoY+0.4% QoQ
|
+$59.1M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Top 4.1% in tier |
| Loans |
$57.2M
+0.8% YoY-0.1% QoQ
|
+$41.8M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 2.7% in tier |
| Deposits |
$75.7M
+13.0% YoY-1.0% QoQ
|
+$49.9M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Top 4.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
-15.2% YoY-0.5% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Top 12.6% in tier |
| NIM |
4.5%
-1.3% YoY-0.5% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
59.7%
-4.0% YoY-0.1% QoQ
|
-29.0% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
0.0%
-82.6% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 14.0% in tier |
| Loan To Share |
75.6%
-10.8% YoY+0.9% QoQ
|
+16.8% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$21,005
+2.8% YoY-1.5% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
15.4%
-3.2% YoY-8.6% QoQ
|
-9.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
14.0%
-0.9% YoY-7.0% QoQ
|
+0.4% | 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)