BlastPoint's Credit Union Scorecard
THE MORNING STAR
Charter #24943 · MT
THE MORNING STAR has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 19.4% YoY
- + Member Growth Rate: Top 2.3% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Delinquency rate 4.35% above tier average
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
- - Total Loans: Bottom 5.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +17.5% year over year ($1.8M in shares and deposits).
- Membership: 2,482 members, +19.4% vs a year ago.
- Delinquency rate 5.89%.
- Return on assets 0.59%.
- Efficiency ratio 87.35% vs a 88.77% peer average.
- Loan-to-share ratio 17.94% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,482
+19.4% YoY+2.1% QoQ
|
-103 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$2.2M
+1.9% YoY-13.3% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.9% in tier |
| Loans |
$328,064
-17.3% YoY+2.7% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.5% in tier |
| Deposits |
$1.8M
+17.5% YoY-13.2% QoQ
|
$-24.0M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.6% in tier |
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| ROA |
0.6%
-110.8% YoY+41.2% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.9%
-3.4% YoY+9.0% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
87.4%
-6.4% YoY+0.9% QoQ
|
-1.4% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
5.9%
+34.3% YoY-35.7% QoQ
|
+4.3 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
17.9%
-29.6% YoY+18.3% QoQ
|
-40.9% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.2% in tier |
| AMR |
$868.9
-7.6% YoY-13.0% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.7% in tier |
| CD Concentration |
6.9%
-14.4% YoY+15.3% QoQ
|
-17.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 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)