BlastPoint's Credit Union Scorecard
DANIELS-SHERIDAN
Charter #5063 · MT
DANIELS-SHERIDAN has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Total Deposits: Top 2.6% in tier
- + Total Assets: Top 3.0% in tier
- + Total Loans: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 6.59% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +21.7% year over year ($80.0M in shares and deposits).
- Membership: 3,196 members, +1.9% vs a year ago.
- Delinquency rate 1.51%.
- Return on assets 0.13%.
- Efficiency ratio 95.36% vs a 88.77% peer average.
- Loan-to-share ratio 66.37% vs a 58.89% 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 |
3,196
+1.9% YoY+0.6% QoQ
|
+610 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$92.2M
+19.0% YoY-0.2% QoQ
|
+$61.9M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Top 3.0% in tier |
| Loans |
$53.1M
-1.7% YoY+1.9% QoQ
|
+$37.7M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 4.2% in tier |
| Deposits |
$80.0M
+21.7% YoY-0.5% QoQ
|
+$54.2M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Top 2.7% in tier |
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| ROA |
0.1%
-81.0% YoY-20.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.0% in tier |
| NIM |
2.4%
-25.6% YoY+3.2% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
95.4%
+23.9% YoY+1.3% QoQ
|
+6.6% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
1.5%
+392.9% YoY+111.6% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
66.4%
-19.2% YoY+2.4% QoQ
|
+7.5% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$41,669
+9.1% YoY-0.2% QoQ
|
+$27K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 1.0% in tier |
| CD Concentration |
38.1%
+28.2% YoY-2.3% QoQ
|
+13.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 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)