BlastPoint's Credit Union Scorecard
DANIELS-SHERIDAN
Charter #5063 · MT
DANIELS-SHERIDAN has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Asset Growth Rate: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Total Deposits: Top 2.6% in tier
- + Total Assets: Top 3.0% in tier
- + Total Loans: Top 3.9% in tier
- + AMR Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.54% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,178
+1.6% YoY+0.2% QoQ
|
+501 |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$92.4M
+25.6% YoY+3.2% QoQ
|
+$62.2M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Top 3.0% in tier |
| Loans |
$52.1M
-1.3% YoY+0.7% QoQ
|
+$36.9M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Top 4.0% in tier |
| Deposits |
$80.5M
+29.1% YoY+4.1% QoQ
|
+$54.7M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 2.6% in tier |
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| ROA |
0.2%
-85.4% YoY-67.9% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
2.3%
-30.6% YoY-15.9% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
94.2%
+25.9% YoY+13.3% QoQ
|
+3.5% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.7%
+222.6% YoY+8.8% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
64.8%
-23.6% YoY-3.2% QoQ
|
+6.3% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$41,735
+13.3% YoY+2.6% QoQ
|
+$27K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 1.0% in tier |
| CD Concentration |
39.0%
+64.9% YoY+5.8% QoQ
|
+14.7% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)