BlastPoint's Credit Union Scorecard
THE MORNING STAR
Charter #24943 ยท MT
2596 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
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 43.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 5.2% in tier
- + Fee Income Per Member: Top 7.4% in tier
- + Members Per Employee (MPE): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 4.46% below tier average
- - Efficiency ratio 9.82% above tier (higher cost structure)
- - Delinquency rate 6.88% above tier average
- - Net Charge-Off Rate: Bottom 0.4% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Total Loans: Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,235
+43.0% YoY+7.6% QoQ
|
-390 |
2,625
-2.2% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$2.4M
+8.8% YoY+11.1% QoQ
|
$-27.5M |
$29.9M
+1.1% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.2% in tier |
| Loans |
$386,988
-7.6% YoY-2.4% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.5% in tier |
| Deposits |
$1.8M
+12.7% YoY+17.9% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.4% in tier |
| ROA |
-3.8%
-111.2% YoY-30.6% QoQ
|
-4.5% |
0.7%
-731.4% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.7% in tier |
| NIM |
4.1%
+1.4% YoY+1.7% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
91.2%
+153.3% YoY-2.2% QoQ
|
+9.8% |
81.4%
-2.4% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
8.4%
+44.0% YoY+91.0% QoQ
|
+6.9 |
1.5%
-2.0% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
Top 2.7% in tier |
| Loan To Share |
21.1%
-18.0% YoY-17.3% QoQ
|
-40.2% |
61.2%
-3.0% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$994.4
-24.1% YoY+5.8% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.1% in tier |
| CD Concentration |
6.9%
-10.8% YoY-15.1% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
18
Member Growth Rate
growth
Value:
42.99%
Peer Avg: 14.92%
#18 of 2596
Top 0.7% in <100M tier
137
Deposit Growth Rate
growth
Value:
12.66%
Peer Avg: 16.80%
#137 of 2596
Top 5.2% in <100M tier
194
Fee Income Per Member
profitability
Value:
$192.88
Peer Avg: $182.96
#194 of 2596
Top 7.4% in <100M tier
260
Members Per Employee (MPE)
engagement
Value:
558.750
Peer Avg: 365.701
#260 of 2596
Top 10.0% in <100M tier
283
Asset Growth Rate
growth
Value:
8.80%
Peer Avg: 1.82%
#283 of 2596
Top 10.9% in <100M tier
Top Weaknesses (12 metrics)
2586
Net Charge-Off Rate
risk
Value:
24.79%
Peer Avg: 0.57%
#2586 of 2596
Bottom 0.4% in <100M tier
2568
Average Member Relationship (AMR)
engagement
Value:
$994.43
Peer Avg: $14,627
#2568 of 2596
Bottom 1.1% in <100M tier
2560
AMR Growth Rate
growth
Value:
-24.12%
Peer Avg: 4.67%
#2560 of 2596
Bottom 1.4% in <100M tier
2553
Return on Assets (ROA)
profitability
Value:
-3.78%
Peer Avg: 0.68%
#2553 of 2596
Bottom 1.7% in <100M tier
2552
Loan-to-Member Ratio (LMR)
engagement
Value:
$173.15
Peer Avg: $5,488
#2552 of 2596
Bottom 1.7% in <100M tier
2527
Total Delinquency Rate (60+ days)
risk
Value:
8.39%
Peer Avg: 1.51%
#2527 of 2596
Bottom 2.7% in <100M tier
2466
Loan-to-Share Ratio
balance_sheet
Value:
21.08%
Peer Avg: 61.23%
#2466 of 2596
Bottom 5.0% in <100M tier
2428
Total Loans
balance_sheet
Value:
$386,988
Peer Avg: $15.77M
#2428 of 2596
Bottom 6.5% in <100M tier
2422
Net Worth Ratio
risk
Value:
8.50%
Peer Avg: 16.43%
#2422 of 2596
Bottom 6.7% in <100M tier
2306
Total Assets
balance_sheet
Value:
$2.40M
Peer Avg: $29.86M
#2306 of 2596
Bottom 11.2% in <100M tier