BlastPoint's Credit Union Scorecard
MONTANA
Charter #4164 · MT
MONTANA has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.27% above tier average
- + Total Members: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 0.57% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 8.5% 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 +2.7% year over year ($317M in shares and deposits).
- Membership: 26,379 members, +2.8% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 0.99%.
- Efficiency ratio 77.31% vs a 76.73% peer average.
- Loan-to-share ratio 78.31% 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 |
26,379
+2.8% YoY+0.7% QoQ
|
+11.2K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Top 10.1% in tier |
| Assets |
$361.5M
+3.8% YoY+0.7% QoQ
|
+$129.5M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$248.0M
+3.9% YoY+1.4% QoQ
|
+$101.7M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 13.7% in tier |
| Deposits |
$316.7M
+2.7% YoY+0.5% QoQ
|
+$116.0M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
1.0%
-12.3% YoY+9.3% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
4.0%
+2.3% YoY+2.1% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
77.3%
+3.5% YoY-1.7% QoQ
|
+0.6% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.3%
-13.8% YoY-7.1% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
78.3%
+1.2% YoY+0.8% QoQ
|
+6.8% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$21,407
+0.4% YoY+0.2% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
12.4%
+18.8% YoY-0.1% QoQ
|
-12.2% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
38.6%
-0.1% YoY-1.2% QoQ
|
+25.0% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)