BlastPoint's Credit Union Scorecard
SOUTHWEST MONTANA COMMUNITY
Charter #4401 · MT
SOUTHWEST MONTANA COMMUNITY has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 42.3% YoY
- + Member Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Delinquency rate 0.60% above tier average
- - AMR Growth Rate: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,541
+42.3% YoY-0.9% QoQ
|
-3.6K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$202.6M
+30.5% YoY-2.0% QoQ
|
$-29.1M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$115.5M
+42.8% YoY-2.0% QoQ
|
$-28.6M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$182.2M
+30.1% YoY-2.2% QoQ
|
$-19.0M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
53% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
-30.5% YoY+90.8% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
4.0%
+26.4% YoY+16.5% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
70.8%
+2.6% YoY-7.3% QoQ
|
-7.2% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
1.4%
+348.4% YoY-2.4% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
63.4%
+9.8% YoY+0.2% QoQ
|
-7.0% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$25,798
-5.3% YoY-1.2% QoQ
|
+$879 |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
14.6%
-1.8% YoY-4.9% QoQ
|
-9.7% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
0.6%
-55.6% YoY-16.6% QoQ
|
-13.2% | 13.8% | 5.6% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)