BlastPoint's Credit Union Scorecard
MONTELL
Charter #20228 · LA
MONTELL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.49% above tier average
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.66% above tier average
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
681
0% YoY-0.4% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$4.8M
-11.4% YoY-6.7% QoQ
|
$-25.4M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$4.2M
-10.2% YoY-1.0% QoQ
|
$-11.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$3.7M
-14.0% YoY-8.6% QoQ
|
$-22.1M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.8%
+24.2% YoY+739.3% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
4.5%
+38.9% YoY+34.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
83.0%
+2.4% YoY-14.7% QoQ
|
-7.6% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
3.2%
+58.6% YoY-51.7% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.5% in tier |
| Loan To Share |
114.3%
+4.3% YoY+8.3% QoQ
|
+55.8% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 1.0% in tier |
| AMR |
$11,623
-12.0% YoY-4.2% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)