BlastPoint's Credit Union Scorecard

RICHLAND

Charter #3391 · MT

100M-500M

1070 CUs in 100M-500M nationally 13 in MT

RICHLAND has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.51% above tier average
+ First Mortgage Concentration (%): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -3.0% YoY
- Loan Growth Rate: Bottom 2.7% in tier
- Total Loans: Bottom 2.8% in tier
- Total Members: Bottom 3.3% in tier
- Loan-to-Share Ratio: Bottom 4.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	4,834 -3.0% YoY-0.8% QoQ	-10.3K	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Bottom 3.2% in tier
Assets	$117.7M +3.4% YoY+4.1% QoQ	$-114.1M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	Bottom 12.1% in tier
Loans	$40.3M -9.8% YoY-7.4% QoQ	$-103.9M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	Bottom 2.7% in tier
Deposits	$100.2M +3.3% YoY+4.6% QoQ	$-100.9M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	Bottom 10.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -4.6% YoY+81.5% QoQ	+0.5%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	81%
NIM	3.4% -2.7% YoY-3.2% QoQ	-0.2%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	65.6% -2.3% YoY-20.5% QoQ	-12.4%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.2% -91.0% YoY+258.1% QoQ	-0.5	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	17%
Loan To Share	40.2% -12.6% YoY-11.5% QoQ	-30.2%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Bottom 4.6% in tier
AMR	$29,062 +2.3% YoY+1.6% QoQ	+$4K	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	78%
CD Concentration	10.4% -0.3% YoY+10.2% QoQ	-13.9%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#223 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.27%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $6.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk

#186 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#266 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#119 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $117.66M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.76%

Peer Median: 29.47%

#87 of 1070 Top 8.0% in 100M-500M tier

120

Share Certificate Concentration (%)

balance_sheet

Value: 10.41%

Peer Median: 23.10%

#120 of 1070 Top 11.1% in 100M-500M tier

166

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#166 of 1070 Top 15.4% in 100M-500M tier

172

Net Worth Ratio

risk

Value: 14.75%

Peer Median: 11.45%

#172 of 1070 Top 16.0% in 100M-500M tier

174

Efficiency Ratio

profitability

Value: 65.61%

Peer Median: 78.68%

#174 of 1070 Top 16.2% in 100M-500M tier

181

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.61%

#181 of 1070 Top 16.8% in 100M-500M tier

203

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.69%

#203 of 1070 Top 18.9% in 100M-500M tier

236

Average Member Relationship (AMR)

engagement

Value: $29,062

Peer Median: $22,931

#236 of 1070 Top 22.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1042

Loan Growth Rate

growth

Value: -9.75%

Peer Median: 2.93%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1041

Total Loans

balance_sheet

Value: $40.29M

Peer Median: $121.41M

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1036

Total Members

engagement

Value: 4,834

Peer Median: 13,200

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1021

Loan-to-Share Ratio

balance_sheet

Value: 40.21%

Peer Median: 71.88%

#1021 of 1070 Bottom 4.7% in 100M-500M tier

957

Total Deposits

balance_sheet

Value: $100.19M

Peer Median: $171.29M

#957 of 1070 Bottom 10.7% in 100M-500M tier

940

Total Assets

balance_sheet

Value: $117.66M

Peer Median: $196.57M

#940 of 1070 Bottom 12.2% in 100M-500M tier

848

Member Growth Rate

growth

Value: -3.01%

Peer Median: -0.06%

#848 of 1070 Bottom 20.8% in 100M-500M tier

841

Fee Income Per Member

profitability

Value: $103.77

Peer Median: $154.95

#841 of 1070 Bottom 21.5% in 100M-500M tier