BlastPoint's Credit Union Scorecard

RAVALLI COUNTY

Charter #19732 · MT

<100M

2508 CUs in <100M nationally 24 in MT

RAVALLI COUNTY has 8 strengths but faces 1 concern

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.67% above tier average
+ Net Interest Margin 0.54% above tier average
+ Total Loans: Top 2.2% in tier
+ Total Assets: Top 4.2% in tier
+ Total Deposits: Top 4.3% in tier
+ Asset Growth Rate: Top 5.0% in tier
+ Deposit Growth Rate: Top 6.1% in tier
+ Member Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	6,272 +4.8% YoY+2.5% QoQ	+3.6K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Top 7.5% in tier
Assets	$89.1M +12.0% YoY+4.9% QoQ	+$58.9M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	Top 4.3% in tier
Loans	$57.3M +3.6% YoY-0.5% QoQ	+$42.0M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	Top 2.3% in tier
Deposits	$76.4M +12.0% YoY+5.0% QoQ	+$50.6M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	Top 4.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% -11.4% YoY-14.3% QoQ	+1.7%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	Top 8.9% in tier
NIM	4.5% +4.4% YoY+1.9% QoQ	+0.5%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	59.8% -3.8% YoY-2.3% QoQ	-30.8%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	Top 11.8% in tier
Delinquency Rate	0.0% -23.0% YoY	-1.5	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	17%
Loan To Share	75.0% -7.5% YoY-5.2% QoQ	+16.5%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	75%
AMR	$21,323 +3.3% YoY+0.0% QoQ	+$6K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	82%
CD Concentration	16.9% +5.1% YoY-1.1% QoQ	-7.4%	24.3%	18.1%	19.8%	50%
Indirect Auto %	15.1% +8.8% YoY-1.0% QoQ	+1.3%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (14 metrics)

Total Loans

balance_sheet

Value: $57.31M

Peer Median: $9.48M

#57 of 2508 Top 2.2% in <100M tier

107

Total Assets

balance_sheet

Value: $89.05M

Peer Median: $21.86M

#107 of 2508 Top 4.2% in <100M tier

108

Total Deposits

balance_sheet

Value: $76.42M

Peer Median: $18.77M

#108 of 2508 Top 4.3% in <100M tier

126

Asset Growth Rate

growth

Value: 11.97%

Peer Median: 1.30%

#126 of 2508 Top 5.0% in <100M tier

153

Deposit Growth Rate

growth

Value: 11.97%

Peer Median: 0.66%

#153 of 2508 Top 6.1% in <100M tier

178

Member Growth Rate

growth

Value: 4.76%

Peer Median: -1.37%

#178 of 2508 Top 7.1% in <100M tier

188

Total Members

engagement

Value: 6,272

Peer Median: 1,918

#188 of 2508 Top 7.5% in <100M tier

222

Return on Assets (ROA)

profitability

Value: 1.82%

Peer Median: 0.61%

#222 of 2508 Top 8.8% in <100M tier

274

Loan-to-Member Ratio (LMR)

engagement

Value: $9,138

Peer Median: $4,923

#274 of 2508 Top 10.9% in <100M tier

297

Efficiency Ratio

profitability

Value: 59.82%

Peer Median: 81.45%

#297 of 2508 Top 11.8% in <100M tier

Top Weaknesses (1 metrics)

2343

Indirect Auto Concentration (%)

balance_sheet

Value: 15.09%

Peer Median: 0.00%

#2343 of 2508 Bottom 6.6% in <100M tier