BlastPoint's Credit Union Scorecard
BADLANDS
Charter #4227 · MT
BADLANDS faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Net Worth Ratio: Bottom 4.6% in tier
- - Indirect Auto Concentration (%): Bottom 7.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits -1.6% year over year ($34.6M in shares and deposits).
- Membership: 2,191 members, +1.1% vs a year ago.
- Delinquency rate 1.45%.
- Return on assets 0.49%.
- Efficiency ratio 81.74% vs a 88.77% peer average.
- Loan-to-share ratio 32.37% vs a 58.89% 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 |
2,191
+1.1% YoY-0.3% QoQ
|
-394 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$37.6M
-1.4% YoY-3.4% QoQ
|
+$7.3M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$11.2M
+2.1% YoY+2.0% QoQ
|
$-4.3M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$34.6M
-1.6% YoY-3.7% QoQ
|
+$8.7M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.5%
+320.6% YoY+12.6% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.1%
+9.1% YoY+6.6% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
81.7%
-8.9% YoY-0.0% QoQ
|
-7.0% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
1.4%
+120.5% YoY+38.4% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
32.4%
+3.7% YoY+5.9% QoQ
|
-26.5% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$20,875
-1.8% YoY-2.0% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
0.6%
-64.1% YoY+629.6% QoQ
|
-24.0% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
12.0%
-40.1% YoY-10.0% QoQ
|
-1.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)