BlastPoint's Credit Union Scorecard

SOUTHWEST MONTANA COMMUNITY

Charter #4401 · MT

100M-500M

1069 CUs in 100M-500M nationally 13 in MT

SOUTHWEST MONTANA COMMUNITY has 7 strengths but faces 5 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 44.4% YoY
+ Member Growth Rate: Top 0.4% in tier
+ Loan Growth Rate: Top 0.4% in tier
+ Asset Growth Rate: Top 0.7% in tier
+ Deposit Growth Rate: Top 0.7% 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
- ROA 0.31% below tier average
- Delinquency rate 0.51% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	11,651 +44.4% YoY-0.5% QoQ	-3.8K	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	40%
Assets	$206.7M +37.8% YoY+0.5% QoQ	$-25.2M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	53%
Loans	$117.9M +52.5% YoY-1.4% QoQ	$-29.4M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	46%
Deposits	$186.3M +37.1% YoY-0.2% QoQ	$-14.5M	$200.8M +0.8% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -61.6% YoY	-0.3%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	28%
NIM	3.5% +8.8% YoY+2.1% QoQ	-0.1%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	76.3% +9.0% YoY-7.7% QoQ	-0.7%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	1.4% +394.9% YoY+29.7% QoQ	+0.5	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	84%
Loan To Share	63.3% +11.3% YoY-1.2% QoQ	-9.0%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	29%
AMR	$26,113 -1.2% YoY-0.1% QoQ	+$1K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	68%
CD Concentration	15.3% +5.4% YoY-4.7% QoQ	-9.1%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.7% -55.2% YoY-14.7% QoQ	-13.1%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#1 of 426 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 44.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.69%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#180 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 44.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.45%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.69%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#1 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 52.52%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 1.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#33 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#170 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.22%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 1069 peers in tier

Top Strengths (5 metrics)

Member Growth Rate

growth

Value: 44.45%

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 52.52%

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 37.82%

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

Deposit Growth Rate

growth

Value: 37.08%

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

252

Share Certificate Concentration (%)

balance_sheet

Value: 15.34%

Peer Median: -

#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (3 metrics)

930

AMR Growth Rate

growth

Value: -1.22%

Peer Median: -

#930 of 1069 Bottom 13.1% in 100M-500M tier

903

Total Delinquency Rate (60+ days)

risk

Value: 1.41%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

887

First Mortgage Concentration (%)

balance_sheet

Value: 47.48%

Peer Median: -

#887 of 1069 Bottom 17.1% in 100M-500M tier