BlastPoint's Credit Union Scorecard

RICHLAND

Charter #3391 · MT

1069 CUs in 100M-500M nationally 13 in MT

RICHLAND has 6 strengths but faces 11 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 76.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.8% in tier
+ First Mortgage Concentration (%): Top 7.3% in tier
+ Share Certificate Concentration (%): Top 9.4% in tier
+ Net Charge-Off Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 38.0% in tier
- Membership Headwinds: Bottom 66.9% in tier
- Stagnation Risk: Bottom 72.5% in tier
- Institutional Decline: Bottom 92.9% in tier
- ROA 0.08% below tier average
- Efficiency ratio 5.53% above tier (higher cost structure)
- Total Members: Bottom 2.8% in tier
- Total Loans: Bottom 3.5% in tier
- Total Deposits: Bottom 7.0% in tier
- Loan-to-Share Ratio: Bottom 7.2% in tier
- Total Assets: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	4,872 -1.8% YoY+0.1% QoQ	-10.6K	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	Bottom 2.7% in tier
Assets	$113.1M +2.9% YoY-0.5% QoQ	$-118.8M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	Bottom 8.8% in tier
Loans	$43.5M -2.7% YoY-6.3% QoQ	$-103.8M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	Bottom 3.4% in tier
Deposits	$95.8M +3.1% YoY-0.5% QoQ	$-105.0M	$200.8M +0.8% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	Bottom 6.9% 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	0.7% +5.5% YoY-42.4% QoQ	-0.1%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	43%
NIM	3.5% +15.3% YoY+1.9% QoQ	-0.1%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	82.5% +2.2% YoY+18.6% QoQ	+5.5%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	69%
Delinquency Rate	0.1% -97.7% YoY-93.7% QoQ	-0.8	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	Bottom 2.8% in tier
Loan To Share	45.4% -5.6% YoY-5.8% QoQ	-26.8%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	Bottom 7.1% in tier
AMR	$28,591 +3.1% YoY-2.5% QoQ	+$4K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	77%
CD Concentration	9.4% -15.9% YoY-0.9% QoQ	-15.0%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#204 of 268 • Top 76.0% 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): 3.06%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $6.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#205 of 538 • Bottom 38.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.55%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#371 of 554 • Bottom 66.9% in tier

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

Why This Signature

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#402 of 554 • Bottom 72.5% 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): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#223 of 240 • Bottom 92.9% in tier

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

Why This Signature

Total Assets: $113.07M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 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 1069 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.22%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

102

Share Certificate Concentration (%)

balance_sheet

Value: 9.44%

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

107

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#107 of 1069 Top 9.9% in 100M-500M tier

157

Net Worth Ratio

risk

Value: 15.09%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

242

Average Member Relationship (AMR)

engagement

Value: $28,591

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

268

Members Per Employee (MPE)

engagement

Value: 374.769

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1040

Total Members

engagement

Value: 4,872

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1033

Total Loans

balance_sheet

Value: $43.51M

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

995

Total Deposits

balance_sheet

Value: $95.78M

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

993

Loan-to-Share Ratio

balance_sheet

Value: 45.43%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

975

Total Assets

balance_sheet

Value: $113.07M

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

867

Fee Income Per Member

profitability

Value: $108.95

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier

856

Loan Growth Rate

growth

Value: -2.73%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier