BlastPoint's Credit Union Scorecard
FROID
Charter #3602 · MT
2596 CUs in <100M nationally
24 in MT
FROID has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Deposit Growth Rate: Top 7.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
- - Total Members: Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Total Assets: Bottom 6.5% in tier
- - Total Deposits: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
-5.2% YoY-3.5% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
Bottom 3.5% in tier |
| Assets |
$1.1M
+8.9% YoY+2.5% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.5% in tier |
| Loans |
$874,809
+10.3% YoY+10.3% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.6% in tier |
| Deposits |
$997,830
+11.0% YoY+2.8% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.3% in tier |
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| ROA |
1.0%
-12.8% YoY-43.8% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.0%
-6.4% YoY-6.6% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
67.9%
+21.8% YoY+45.6% QoQ
|
-13.5% |
81.4%
-2.4% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
87.7%
-0.6% YoY+7.3% QoQ
|
+26.4% |
61.2%
-3.0% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 13.6% in tier |
| AMR |
$11,349
+16.7% YoY+10.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration | 0.0% | -24.4% |
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 (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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
95
AMR Growth Rate
growth
Value:
16.70%
Peer Avg: -
#95 of 2596
Top 3.6% in <100M tier
192
Deposit Growth Rate
growth
Value:
10.99%
Peer Avg: -
#192 of 2596
Top 7.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
266
Loan Growth Rate
growth
Value:
10.30%
Peer Avg: -
#266 of 2596
Top 10.2% in <100M tier
273
Asset Growth Rate
growth
Value:
8.93%
Peer Avg: -
#273 of 2596
Top 10.5% in <100M tier
348
Loan-to-Share Ratio
balance_sheet
Value:
87.67%
Peer Avg: -
#348 of 2596
Top 13.4% in <100M tier
Top Weaknesses (8 metrics)
2505
Total Members
engagement
Value:
165
Peer Avg: -
#2505 of 2596
Bottom 3.5% in <100M tier
2463
Members Per Employee (MPE)
engagement
Value:
82.500
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2459
Fee Income Per Member
profitability
Value:
$0.23
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2428
Total Assets
balance_sheet
Value:
$1.15M
Peer Avg: -
#2428 of 2596
Bottom 6.5% in <100M tier
2407
Total Deposits
balance_sheet
Value:
$997,830
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2322
Total Loans
balance_sheet
Value:
$874,809
Peer Avg: -
#2322 of 2596
Bottom 10.6% in <100M tier
2175
Member Growth Rate
growth
Value:
-5.17%
Peer Avg: -
#2175 of 2596
Bottom 16.3% in <100M tier
2121
Net Interest Margin (NIM)
profitability
Value:
3.01%
Peer Avg: -
#2121 of 2596
Bottom 18.3% in <100M tier