BlastPoint's Credit Union Scorecard
RICHLAND
Charter #3391 · MT
RICHLAND has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 27.3% in tier
- + Wallet Share Momentum: Top 57.3% in tier
- + Profitability Leader: Top 84.4% in tier
- + ROA 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 6.9% in tier
- + Share Certificate Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.6% in tier
- - Membership Headwinds: Bottom 21.5% in tier
- - Institutional Decline: Bottom 32.2% in tier
- - Delinquency rate 0.21% above tier average
- - Total Members: Bottom 2.9% in tier
- - Total Loans: Bottom 4.4% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 9.1% in tier
- - Total Assets: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,866
-1.7% YoY-2.4% QoQ
|
-10.8K |
15,628
-3.4% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
Bottom 2.8% in tier |
| Assets |
$113.6M
+7.5% YoY+1.5% QoQ
|
$-117.7M |
$231.3M
-0.0% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.1% in tier |
| Loans |
$46.4M
-0.6% YoY+2.8% QoQ
|
$-101.3M |
$147.8M
-1.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.3% in tier |
| Deposits |
$96.3M
+8.2% YoY+1.6% QoQ
|
$-104.0M |
$200.3M
-0.0% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.8% in tier |
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| ROA |
1.2%
+30.0% YoY-0.3% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.5%
+4.6% YoY+1.1% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
69.6%
-5.9% YoY+0.4% QoQ
|
-7.7% |
77.3%
-3.0% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.1%
-62.4% YoY-17.4% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
48.2%
-8.1% YoY+1.2% QoQ
|
-24.5% |
72.7%
-1.5% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.0% in tier |
| AMR |
$29,330
+7.0% YoY+4.5% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
9.5%
-15.7% YoY-12.3% QoQ
|
-14.9% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)