BlastPoint's Credit Union Scorecard

BADLANDS

Charter #4227 · MT

<100M

2508 CUs in <100M nationally 24 in MT

BADLANDS has 1 strength but faces 2 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

+ ROA 0.28% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 3.7% in tier
- Indirect Auto Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	2,198 +0.8% YoY+0.4% QoQ	-478	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	56%
Assets	$38.9M +1.2% YoY-1.4% QoQ	+$8.7M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	68%
Loans	$11.0M +1.5% YoY+2.5% QoQ	$-4.3M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	54%
Deposits	$35.9M +0.8% YoY-1.4% QoQ	+$10.1M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	70%

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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	0.4% +69.0% YoY+173.6% QoQ	+0.3%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	41%
NIM	2.9% +7.3% YoY+6.1% QoQ	-1.1%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	81.7% -8.6% YoY-9.5% QoQ	-8.9%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	1.0% +28.9% YoY-22.2% QoQ	-0.5	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	65%
Loan To Share	30.6% +0.7% YoY+4.0% QoQ	-27.9%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Bottom 12.1% in tier
AMR	$21,306 +0.1% YoY-0.9% QoQ	+$6K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	82%
CD Concentration	0.1% -95.0% YoY-85.9% QoQ	-24.2%	24.3%	18.1%	19.8%	50%
Indirect Auto %	13.3% -42.7% YoY-16.4% QoQ	-0.5%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

448

Average Member Relationship (AMR)

engagement

Value: $21,306

Peer Median: $13,926

#448 of 2508 Top 17.8% in <100M tier

560

Share Certificate Concentration (%)

balance_sheet

Value: 0.08%

Peer Median: 12.45%

#560 of 2508 Top 22.3% in <100M tier

Top Weaknesses (4 metrics)

2416

Net Worth Ratio

risk

Value: 7.65%

Peer Median: 14.28%

#2416 of 2508 Bottom 3.7% in <100M tier

2328

Indirect Auto Concentration (%)

balance_sheet

Value: 13.34%

Peer Median: 0.00%

#2328 of 2508 Bottom 7.2% in <100M tier

2203

Loan-to-Share Ratio

balance_sheet

Value: 30.57%

Peer Median: 58.72%

#2203 of 2508 Bottom 12.2% in <100M tier

2109

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.83%

#2109 of 2508 Bottom 15.9% in <100M tier