BlastPoint's Credit Union Scorecard
FROID
Charter #3602 · MT
<100M
2508 CUs in <100M nationally
24 in MT
FROID has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Total Members: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - Total Assets: Bottom 6.6% in tier
- - Total Deposits: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
-4.1% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$1.2M
+18.9% YoY+6.9% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.6% in tier |
| Loans |
$861,904
+9.0% YoY-2.0% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.5% in tier |
| Deposits |
$1.1M
+21.9% YoY+7.6% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.4% in tier |
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| ROA |
1.0%
-36.9% YoY+7.3% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
2.2%
-27.7% YoY-21.2% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
54.2%
+14.1% YoY-19.6% QoQ
|
-36.4% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
Top 7.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
78.3%
-10.6% YoY-8.9% QoQ
|
+19.8% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$11,894
+20.8% YoY+3.2% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration | 0.0% | -24.3% | 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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
33
Deposit Growth Rate
growth
Value:
21.91%
Peer Median: 0.66%
#33 of 2508
Top 1.3% in <100M tier
44
Asset Growth Rate
growth
Value:
18.91%
Peer Median: 1.30%
#44 of 2508
Top 1.7% in <100M tier
75
AMR Growth Rate
growth
Value:
20.80%
Peer Median: 1.27%
#75 of 2508
Top 3.0% in <100M tier
178
Efficiency Ratio
profitability
Value:
54.23%
Peer Median: 81.45%
#178 of 2508
Top 7.1% in <100M tier
294
Loan Growth Rate
growth
Value:
9.01%
Peer Median: -2.36%
#294 of 2508
Top 11.7% in <100M tier
504
Loan-to-Share Ratio
balance_sheet
Value:
78.32%
Peer Median: 58.72%
#504 of 2508
Top 20.1% in <100M tier
Top Weaknesses (8 metrics)
2422
Total Members
engagement
Value:
165
Peer Median: 1,918
#2422 of 2508
Bottom 3.5% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2385
Members Per Employee (MPE)
engagement
Value:
82.500
Peer Median: 333.750
#2385 of 2508
Bottom 4.9% in <100M tier
2377
Net Interest Margin (NIM)
profitability
Value:
2.23%
Peer Median: 3.83%
#2377 of 2508
Bottom 5.3% in <100M tier
2343
Total Assets
balance_sheet
Value:
$1.25M
Peer Median: $21.86M
#2343 of 2508
Bottom 6.6% in <100M tier
2322
Total Deposits
balance_sheet
Value:
$1.10M
Peer Median: $18.77M
#2322 of 2508
Bottom 7.5% in <100M tier
2244
Total Loans
balance_sheet
Value:
$861,904
Peer Median: $9.48M
#2244 of 2508
Bottom 10.6% in <100M tier
1945
Member Growth Rate
growth
Value:
-4.07%
Peer Median: -1.37%
#1945 of 2508
Bottom 22.5% in <100M tier