BlastPoint's Credit Union Scorecard

BUTTE COMMUNITY

Charter #19896 · MT

<100M

2508 CUs in <100M nationally 24 in MT

BUTTE COMMUNITY has 2 strengths but faces 3 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

+ Deposit Growth Rate: Top 4.6% in tier
+ Asset Growth Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.65% below tier average
- Efficiency ratio 4.07% above tier (higher cost structure)
- Net Worth Ratio: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	2,773 +1.4% YoY+0.7% QoQ	+96	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	64%
Assets	$37.4M +12.0% YoY+6.6% QoQ	+$7.3M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	66%
Loans	$23.2M +1.8% YoY-0.1% QoQ	+$7.9M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	76%
Deposits	$34.3M +13.3% YoY+7.5% QoQ	+$8.5M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	69%

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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	-0.5% -161.7% YoY-174.0% QoQ	-0.7%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	Bottom 13.2% in tier
NIM	3.1% -5.3% YoY-8.6% QoQ	-0.9%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	94.7% +16.5% YoY+14.5% QoQ	+4.1%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.0% -80.3% QoQ	-1.5	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	15%
Loan To Share	67.7% -10.2% YoY-7.0% QoQ	+9.2%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	64%
AMR	$20,719 +6.9% YoY+3.6% QoQ	+$6K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	81%
CD Concentration	19.3% +49.5% YoY+34.1% QoQ	-5.0%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

117

Deposit Growth Rate

growth

Value: 13.32%

Peer Median: 0.66%

#117 of 2508 Top 4.6% in <100M tier

127

Asset Growth Rate

growth

Value: 11.96%

Peer Median: 1.30%

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

379

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.65%

#379 of 2508 Top 15.1% in <100M tier

380

Loan-to-Member Ratio (LMR)

engagement

Value: $8,362

Peer Median: $4,923

#380 of 2508 Top 15.1% in <100M tier

432

AMR Growth Rate

growth

Value: 6.91%

Peer Median: 1.27%

#432 of 2508 Top 17.2% in <100M tier

482

Average Member Relationship (AMR)

engagement

Value: $20,719

Peer Median: $13,926

#482 of 2508 Top 19.2% in <100M tier

522

Member Growth Rate

growth

Value: 1.35%

Peer Median: -1.37%

#522 of 2508 Top 20.8% in <100M tier

538

Fee Income Per Member

profitability

Value: $119.12

Peer Median: $60.42

#538 of 2508 Top 21.4% in <100M tier

609

Total Loans

balance_sheet

Value: $23.19M

Peer Median: $9.48M

#609 of 2508 Top 24.2% in <100M tier

Top Weaknesses (4 metrics)

2413

Net Worth Ratio

risk

Value: 7.68%

Peer Median: 14.28%

#2413 of 2508 Bottom 3.8% in <100M tier

2177

Return on Assets (ROA)

profitability

Value: -0.50%

Peer Median: 0.61%

#2177 of 2508 Bottom 13.2% in <100M tier

1974

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: 3.83%

#1974 of 2508 Bottom 21.3% in <100M tier

1948

Efficiency Ratio

profitability

Value: 94.70%

Peer Median: 81.45%

#1948 of 2508 Bottom 22.4% in <100M tier