BlastPoint's Credit Union Scorecard

BUTTE COMMUNITY

Charter #19896 · MT

<100M

2556 CUs in <100M nationally 24 in MT

BUTTE COMMUNITY has 3 strengths but faces 2 concerns

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 0.06% above tier average
+ Deposit Growth Rate: Top 4.1% in tier
+ Asset Growth Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 0.17% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	2,755 +0.3% YoY+0.0% QoQ	+139	2,615 -1.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	64%
Assets	$35.1M +13.7% YoY+4.2% QoQ	+$5.0M	$30.1M +2.1% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	65%
Loans	$23.2M +4.0% YoY-0.3% QoQ	+$7.4M	$15.8M -1.3% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	75%
Deposits	$31.9M +14.5% YoY+5.1% QoQ	+$6.2M	$25.7M +1.4% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	67%

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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	0.7% -34.1% YoY-12.4% QoQ	+0.1%	0.6% +10.8% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	50%
NIM	3.4% -2.6% YoY-0.7% QoQ	-0.6%	4.0% +4.0% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	82.7% +7.7% YoY+0.1% QoQ	+0.2%	82.6% -2.3% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	0.1% -5.9% YoY-12.0% QoQ	-1.4	1.6% -3.1% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	20%
Loan To Share	72.8% -9.1% YoY-5.2% QoQ	+12.2%	60.6% -3.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	68%
AMR	$19,990 +9.5% YoY+2.7% QoQ	+$5K	$14,783 -1.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	79%
CD Concentration	14.4% +43.7% YoY+6.8% QoQ	-10.1%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	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 2556 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

107

Deposit Growth Rate

growth

Value: 14.46%

Peer Median: -

#107 of 2556 Top 4.1% in <100M tier

109

Asset Growth Rate

growth

Value: 13.68%

Peer Median: -

#109 of 2556 Top 4.2% in <100M tier

281

AMR Growth Rate

growth

Value: 9.46%

Peer Median: -

#281 of 2556 Top 11.0% in <100M tier

400

Loan-to-Member Ratio (LMR)

engagement

Value: $8,421

Peer Median: -

#400 of 2556 Top 15.6% in <100M tier

522

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: -

#522 of 2556 Top 20.4% in <100M tier

540

Fee Income Per Member

profitability

Value: $129.62

Peer Median: -

#540 of 2556 Top 21.1% in <100M tier

546

Average Member Relationship (AMR)

engagement

Value: $19,990

Peer Median: -

#546 of 2556 Top 21.3% in <100M tier

640

Total Loans

balance_sheet

Value: $23.20M

Peer Median: -

#640 of 2556 Top 25.0% in <100M tier

Top Weaknesses (1 metrics)

2397

Net Worth Ratio

risk

Value: 8.32%

Peer Median: -

#2397 of 2556 Bottom 6.3% in <100M tier