BlastPoint's Credit Union Scorecard
SOUTHWEST MONTANA COMMUNITY
Charter #4401 · MT
SOUTHWEST MONTANA COMMUNITY faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 17.30% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
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 -2.1% year over year ($183M in shares and deposits).
- Membership: 11,414 members, -2.8% vs a year ago.
- Delinquency rate 1.85%.
- Return on assets 0.14%.
- Efficiency ratio 94.03% vs a 76.73% peer average.
- Loan-to-share ratio 62.20% 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 |
11,414
-2.8% YoY-1.1% QoQ
|
-3.8K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$203.3M
-0.0% YoY+0.4% QoQ
|
$-28.7M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$113.7M
-2.5% YoY-1.6% QoQ
|
$-32.6M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$182.7M
-2.1% YoY+0.3% QoQ
|
$-18.0M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.1%
-116.6% YoY-84.2% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.2% in tier |
| NIM |
3.4%
-11.0% YoY-15.1% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
94.0%
+1.7% YoY+32.8% QoQ
|
+17.3% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
1.8%
+152.5% YoY+34.4% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
62.2%
-0.4% YoY-1.9% QoQ
|
-9.3% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$25,966
+0.5% YoY+0.7% QoQ
|
+$859 |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
13.5%
-16.9% YoY-7.6% QoQ
|
-11.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
0.5%
-51.5% YoY-18.4% QoQ
|
-13.2% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)