BlastPoint's Credit Union Scorecard
DANIELS-SHERIDAN
Charter #5063 · MT
DANIELS-SHERIDAN has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 0.8% in tier
- + Asset Growth Rate: Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Total Assets: Top 4.0% in tier
- + Total Deposits: Top 4.1% in tier
- + Total Loans: Top 4.8% in tier
- + AMR Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 0.57% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,173
+1.9% YoY+0.5% QoQ
|
+557 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$89.5M
+26.4% YoY+6.7% QoQ
|
+$59.4M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Top 4.0% in tier |
| Loans |
$51.8M
-3.4% YoY-4.6% QoQ
|
+$36.0M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Top 4.9% in tier |
| Deposits |
$77.3M
+32.1% YoY+8.1% QoQ
|
+$51.7M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Top 4.1% in tier |
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| ROA |
0.5%
-22.5% YoY-20.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.7%
-28.5% YoY-9.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
83.1%
+14.9% YoY+3.2% QoQ
|
+0.6% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.7%
+27.9% YoY+109.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
66.9%
-26.8% YoY-11.7% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$40,691
+13.0% YoY+2.1% QoQ
|
+$26K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.1% in tier |
| CD Concentration |
36.9%
+93.3% YoY+8.9% QoQ
|
+12.5% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 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)