BlastPoint's Credit Union Scorecard
BADLANDS
Charter #4227 · MT
BADLANDS faces 4 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 0.49% below tier average
- - Efficiency ratio 8.29% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.4% in tier
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,182
+0.4% YoY+0.7% QoQ
|
-443 |
2,625
-2.2% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$38.6M
+1.0% YoY+1.4% QoQ
|
+$8.8M |
$29.9M
+1.1% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$10.9M
-6.3% YoY-0.0% QoQ
|
$-4.8M |
$15.8M
-2.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$35.3M
-0.2% YoY+0.6% QoQ
|
+$9.9M |
$25.5M
+0.4% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.2%
+4.0% YoY+64.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
2.8%
+9.7% YoY-1.9% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
89.7%
-4.0% YoY-0.0% QoQ
|
+8.3% |
81.4%
-2.4% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.7%
-72.2% YoY+10.0% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
31.0%
-6.1% YoY-0.7% QoQ
|
-30.2% |
61.2%
-3.0% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$21,202
-2.1% YoY-0.2% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
1.6%
-49.8% YoY-0.6% QoQ
|
-22.8% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.2%
-32.1% YoY-9.4% QoQ
|
+4.2% |
14.0%
-5.7% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
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)