BlastPoint's Credit Union Scorecard
THE MORNING STAR
Charter #24943 · MT
2556 CUs in <100M nationally
24 in MT
THE MORNING STAR has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 33.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
- + Fee Income Per Member: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.79% below tier average
- - Efficiency ratio 10.13% above tier (higher cost structure)
- - Delinquency rate 7.39% above tier average
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Net Worth Ratio: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 3.6% in tier
- - Total Loans: Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,344
+33.6% YoY+4.9% QoQ
|
-271 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$2.9M
+43.7% YoY+22.6% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.5% in tier |
| Loans |
$322,991
-24.6% YoY-16.5% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.3% in tier |
| Deposits |
$2.4M
+53.2% YoY+31.9% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.4% in tier |
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| ROA |
-2.2%
-129.5% YoY-42.6% QoQ
|
-2.8% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.9% in tier |
| NIM |
3.6%
+4.3% YoY-10.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
92.7%
+57.1% YoY+1.6% QoQ
|
+10.1% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
8.9%
-2.6% YoY+6.6% QoQ
|
+7.4 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
13.3%
-50.8% YoY-36.7% QoQ
|
-47.3% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$1,171
+2.3% YoY+17.8% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
5.2%
-34.4% YoY-24.1% QoQ
|
-19.2% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
11
Asset Growth Rate
growth
Value:
43.73%
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
11
Deposit Growth Rate
growth
Value:
53.16%
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
26
Member Growth Rate
growth
Value:
33.56%
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
203
Members Per Employee (MPE)
engagement
Value:
586.000
Peer Median: -
#203 of 2556
Top 7.9% in <100M tier
221
Fee Income Per Member
profitability
Value:
$183.24
Peer Median: -
#221 of 2556
Top 8.6% in <100M tier
Top Weaknesses (12 metrics)
2542
Net Charge-Off Rate
risk
Value:
25.09%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2523
Average Member Relationship (AMR)
engagement
Value:
$1,171
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2518
Loan-to-Member Ratio (LMR)
engagement
Value:
$137.79
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2505
Net Worth Ratio
risk
Value:
7.16%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2495
Loan-to-Share Ratio
balance_sheet
Value:
13.34%
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2490
Total Delinquency Rate (60+ days)
risk
Value:
8.94%
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2482
Return on Assets (ROA)
profitability
Value:
-2.17%
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2465
Loan Growth Rate
growth
Value:
-24.63%
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2420
Total Loans
balance_sheet
Value:
$322,991
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2236
Total Assets
balance_sheet
Value:
$2.94M
Peer Median: -
#2236 of 2556
Bottom 12.6% in <100M tier