BlastPoint's Credit Union Scorecard

RICHLAND

Charter #3391 · MT

100M-500M

1024 CUs in 100M-500M nationally 12 in MT

RICHLAND has 5 strengths but faces 7 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
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Total Delinquency Rate (60+ days): Top 7.8% in tier
+ First Mortgage Concentration (%): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -3.2% YoY
- Total Members: Bottom 3.4% in tier
- Total Loans: Bottom 3.9% in tier
- Loan-to-Share Ratio: Bottom 6.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Montana.
Shares and deposits +6.6% year over year ($101M in shares and deposits).
Membership: 4,828 members, -3.2% vs a year ago.
Delinquency rate 0.14%.
Return on assets 1.25%.
Efficiency ratio 67.46% vs a 76.73% peer average.
Loan-to-share ratio 43.45% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	4,828 -3.2% YoY-0.1% QoQ	-10.3K	15,168 -2.6% YoY	10,566 -1.9% YoY	34,678 +6.6% YoY	Bottom 3.3% in tier
Assets	$118.9M +6.2% YoY+1.0% QoQ	$-113.2M	$232.0M +0.7% YoY	$194.5M +2.8% YoY	$593.1M +10.2% YoY	Bottom 12.3% in tier
Loans	$43.9M -2.8% YoY+9.0% QoQ	$-102.3M	$146.3M +0.2% YoY	$131.1M +3.2% YoY	$418.6M +10.1% YoY	Bottom 3.8% in tier
Deposits	$101.1M +6.6% YoY+0.9% QoQ	$-99.6M	$200.7M +0.2% YoY	$167.3M +2.4% YoY	$504.8M +10.3% YoY	Bottom 11.2% 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% +5.3% YoY+0.9% QoQ	+0.4%	0.9% +12.5% YoY	0.9% +32.5% YoY	1.2% +121.4% YoY	78%
NIM	3.5% +2.6% YoY+2.9% QoQ	-0.2%	3.7% +4.5% YoY	3.7% -0.1% YoY	3.8% +2.3% YoY	40%
Efficiency Ratio	67.5% -2.7% YoY+2.8% QoQ	-9.3%	76.7% -0.8% YoY	77.6% +2.2% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	0.1% -88.9% YoY-39.8% QoQ	-0.7	0.9% +6.6% YoY	0.8% +6.4% YoY	1.3% +2.6% YoY	Top 7.8% in tier
Loan To Share	43.5% -8.9% YoY+8.1% QoQ	-28.1%	71.5% -0.3% YoY	65.5% -4.7% YoY	66.4% -1.4% YoY	Bottom 6.2% in tier
AMR	$30,029 +7.0% YoY+3.3% QoQ	+$5K	$25,107 +3.2% YoY	$22,069 +4.9% YoY	$20,028 -0.9% YoY	80%
CD Concentration	10.8% -0.7% YoY+3.7% QoQ	-13.8%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.7%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#84 of 262 • 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): 6.99%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $6.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#292 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.99%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#233 of 549 • 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): -3.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#277 of 549 • 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): -3.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.82%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.14%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#183 of 230 • 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: $118.85M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -3.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.82%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.71%

#81 of 1024 Top 7.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.98%

Peer Median: 29.92%

#83 of 1024 Top 8.0% in 100M-500M tier

119

Share Certificate Concentration (%)

balance_sheet

Value: 10.79%

Peer Median: 23.39%

#119 of 1024 Top 11.5% in 100M-500M tier

166

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#166 of 1024 Top 16.1% in 100M-500M tier

179

Net Worth Ratio

risk

Value: 14.92%

Peer Median: 11.71%

#179 of 1024 Top 17.4% in 100M-500M tier

205

Average Member Relationship (AMR)

engagement

Value: $30,029

Peer Median: $23,006

#205 of 1024 Top 19.9% in 100M-500M tier

211

Efficiency Ratio

profitability

Value: 67.46%

Peer Median: 77.26%

#211 of 1024 Top 20.5% in 100M-500M tier

224

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: 0.75%

#224 of 1024 Top 21.8% in 100M-500M tier

224

AMR Growth Rate

growth

Value: 6.99%

Peer Median: 3.53%

#224 of 1024 Top 21.8% in 100M-500M tier

Top Weaknesses (8 metrics)

990

Total Members

engagement

Value: 4,828

Peer Median: 13,128

#990 of 1024 Bottom 3.4% in 100M-500M tier

985

Total Loans

balance_sheet

Value: $43.92M

Peer Median: $124.04M

#985 of 1024 Bottom 3.9% in 100M-500M tier

960

Loan-to-Share Ratio

balance_sheet

Value: 43.45%

Peer Median: 73.07%

#960 of 1024 Bottom 6.3% in 100M-500M tier

909

Total Deposits

balance_sheet

Value: $101.07M

Peer Median: $170.77M

#909 of 1024 Bottom 11.3% in 100M-500M tier

898

Total Assets

balance_sheet

Value: $118.85M

Peer Median: $196.38M

#898 of 1024 Bottom 12.4% in 100M-500M tier

842

Loan Growth Rate

growth

Value: -2.82%

Peer Median: 3.02%

#842 of 1024 Bottom 17.9% in 100M-500M tier

835

Member Growth Rate

growth

Value: -3.19%

Peer Median: -0.03%

#835 of 1024 Bottom 18.6% in 100M-500M tier

823

Fee Income Per Member

profitability

Value: $107.85

Peer Median: $159.88

#823 of 1024 Bottom 19.7% in 100M-500M tier