BlastPoint's Credit Union Scorecard
THE MORNING STAR
Charter #24943 · MT
<100M
2508 CUs in <100M nationally
24 in MT
THE MORNING STAR has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Strong member growth: 26.7% YoY
- + Member Growth Rate: Top 1.2% in tier
- + Members Per Employee (MPE): Top 2.9% in tier
- + Fee Income Per Member: Top 6.3% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.67% above tier average
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Loan-to-Share Ratio: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,430
+26.7% YoY+3.7% QoQ
|
-246 |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$2.5M
+9.8% YoY-13.7% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.3% in tier |
| Loans |
$319,492
-23.4% YoY-1.1% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.5% in tier |
| Deposits |
$2.1M
+11.3% YoY-13.0% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.6% in tier |
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| ROA |
0.4%
-103.7% YoY-119.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.5%
-3.9% YoY-3.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
86.6%
-8.9% YoY-6.6% QoQ
|
-4.0% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
9.2%
+130.9% YoY+2.6% QoQ
|
+7.7 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
15.2%
-31.2% YoY+13.7% QoQ
|
-43.3% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.0% in tier |
| AMR |
$998.3
-17.1% YoY-14.8% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.1% in tier |
| CD Concentration |
6.0%
-9.7% YoY+15.1% QoQ
|
-18.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
30
Member Growth Rate
growth
Value:
26.69%
Peer Median: -1.37%
#30 of 2508
Top 1.2% in <100M tier
73
Members Per Employee (MPE)
engagement
Value:
810.000
Peer Median: 333.750
#73 of 2508
Top 2.9% in <100M tier
160
Fee Income Per Member
profitability
Value:
$184.02
Peer Median: $60.42
#160 of 2508
Top 6.3% in <100M tier
172
Deposit Growth Rate
growth
Value:
11.29%
Peer Median: 0.66%
#172 of 2508
Top 6.8% in <100M tier
187
Asset Growth Rate
growth
Value:
9.85%
Peer Median: 1.30%
#187 of 2508
Top 7.4% in <100M tier
Top Weaknesses (11 metrics)
2488
Net Charge-Off Rate
risk
Value:
13.31%
Peer Median: 0.07%
#2488 of 2508
Bottom 0.8% in <100M tier
2481
Average Member Relationship (AMR)
engagement
Value:
$998.33
Peer Median: $13,926
#2481 of 2508
Bottom 1.1% in <100M tier
2472
Loan-to-Member Ratio (LMR)
engagement
Value:
$131.48
Peer Median: $4,923
#2472 of 2508
Bottom 1.5% in <100M tier
2447
AMR Growth Rate
growth
Value:
-17.11%
Peer Median: 1.27%
#2447 of 2508
Bottom 2.5% in <100M tier
2441
Total Delinquency Rate (60+ days)
risk
Value:
9.17%
Peer Median: 0.65%
#2441 of 2508
Bottom 2.7% in <100M tier
2432
Loan-to-Share Ratio
balance_sheet
Value:
15.17%
Peer Median: 58.72%
#2432 of 2508
Bottom 3.1% in <100M tier
2396
Loan Growth Rate
growth
Value:
-23.44%
Peer Median: -2.36%
#2396 of 2508
Bottom 4.5% in <100M tier
2371
Total Loans
balance_sheet
Value:
$319,492
Peer Median: $9.48M
#2371 of 2508
Bottom 5.5% in <100M tier
2342
Net Worth Ratio
risk
Value:
8.39%
Peer Median: 14.28%
#2342 of 2508
Bottom 6.7% in <100M tier
2225
Total Assets
balance_sheet
Value:
$2.54M
Peer Median: $21.86M
#2225 of 2508
Bottom 11.3% in <100M tier