BlastPoint's Credit Union Scorecard

SOUTHWEST MONTANA COMMUNITY

Charter #4401 · MT

1077 CUs in 100M-500M nationally 13 in MT

SOUTHWEST MONTANA COMMUNITY has 7 strengths but faces 6 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

+ Organic Growth Leader: Top 0.0% in tier
+ Organic Growth Engine: Top 14.8% in tier
+ Strong member growth: 44.8% YoY
+ Loan Growth Rate: Top 0.6% in tier
+ Member Growth Rate: Top 0.7% in tier
+ Asset Growth Rate: Top 0.9% in tier
+ Deposit Growth Rate: Top 0.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.6% in tier
- Credit Quality Pressure: Bottom 6.1% in tier
- Efficiency Drag: Bottom 29.3% in tier
- ROA 0.76% below tier average
- Efficiency ratio 5.40% above tier (higher cost structure)
- Delinquency rate 0.23% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	11,715 +44.8% YoY-0.2% QoQ	-3.9K	15,628 -3.4% YoY	10,775 +3.4% YoY	33,089 +6.1% YoY	40%
Assets	$205.7M +38.2% YoY+1.1% QoQ	$-25.6M	$231.3M -0.0% YoY	$192.0M +6.5% YoY	$547.7M +7.8% YoY	52%
Loans	$119.6M +56.2% YoY+2.5% QoQ	$-28.2M	$147.8M -1.4% YoY	$128.7M +5.8% YoY	$388.7M +8.6% YoY	47%
Deposits	$186.7M +39.4% YoY-0.0% QoQ	$-13.6M	$200.3M -0.0% YoY	$165.1M +6.8% YoY	$464.6M +9.3% YoY	55%

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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	0.0% -97.8% YoY-103.2% QoQ	-0.8%	0.8% +15.5% YoY	0.8% -56.8% YoY	0.7% +273.4% YoY	Bottom 7.6% in tier
NIM	3.4% +7.6% YoY-11.9% QoQ	-0.2%	3.6% +6.9% YoY	3.7% +3.8% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	82.7% +18.5% YoY-10.6% QoQ	+5.4%	77.3% -3.0% YoY	75.4% +3.6% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	1.1% +77.1% YoY+48.4% QoQ	+0.2	0.9% +7.6% YoY	1.0% -7.2% YoY	1.2% -0.9% YoY	74%
Loan To Share	64.1% +12.0% YoY+2.6% QoQ	-8.6%	72.7% -1.5% YoY	68.8% -2.3% YoY	68.0% -1.7% YoY	29%
AMR	$26,141 +0.5% YoY+1.2% QoQ	+$2K	$24,363 +2.9% YoY	$21,496 +3.0% YoY	$19,418 +1.3% YoY	70%
CD Concentration	16.1% +33.9% YoY-0.8% QoQ	-8.3%	24.4% +4.2% YoY	17.7% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.8% -53.6% YoY-16.5% QoQ	-13.2%	14.0% -5.7% YoY	6.1% -1.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#1 of 430 • Top 0.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 44.83%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.81%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#271 of 603 • Top 14.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 44.83%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.03%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.81%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Credit Risk Growth

risk

#10 of 446 • Bottom 0.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 56.17%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.47% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#152 of 736 • Bottom 6.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.47% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk

#517 of 521 • Bottom 29.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.68%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.15% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 44.83%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 56.17%

Peer Avg: -

#7 of 1077 Top 0.6% in 100M-500M tier

Member Growth Rate

growth

Value: 44.83%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 38.21%

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 39.43%

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Top Weaknesses (2 metrics)

995

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

887

First Mortgage Concentration (%)

balance_sheet

Value: 46.83%

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier