BlastPoint's Credit Union Scorecard
MONTELL
Charter #20228 · LA
MONTELL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 14.74% above tier (higher cost structure)
- - Delinquency rate 4.99% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
684
+0.7% YoY+0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$5.1M
-4.2% YoY-1.8% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$4.3M
-10.5% YoY+1.6% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.0M
-5.1% YoY-1.6% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
0.1%
-107.7% YoY-61.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.4%
+107.9% YoY+1.4% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
97.3%
-43.3% YoY+4.7% QoQ
|
+14.7% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
6.5%
+195.7% YoY+57.8% QoQ
|
+5.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
Top 4.1% in tier |
| Loan To Share |
105.6%
-5.7% YoY+3.2% QoQ
|
+44.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 2.4% in tier |
| AMR |
$12,139
-8.7% YoY-0.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 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)