BlastPoint's Credit Union Scorecard
RUSSELL COUNTRY
Charter #5387 · MT
RUSSELL COUNTRY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.0% in tier
- + Organic Growth Engine: Top 25.9% in tier
- + Loan Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
- + Deposit Growth Rate: Top 6.4% in tier
- + Asset Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.6% in tier
- - Liquidity Strain: Bottom 5.2% in tier
- - Efficiency Drag: Bottom 9.5% in tier
- - Credit Risk Growth: Bottom 13.7% in tier
- - Credit Quality Pressure: Bottom 27.6% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 10.74% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,853
+3.8% YoY+0.7% QoQ
|
-5.8K |
15,628
-3.4% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$123.1M
+11.8% YoY+1.0% QoQ
|
$-108.2M |
$231.3M
-0.0% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$108.9M
+23.1% YoY+1.4% QoQ
|
$-38.9M |
$147.8M
-1.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$112.9M
+12.6% YoY+3.5% QoQ
|
$-87.4M |
$200.3M
-0.0% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.3%
-19.1% YoY+55.6% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.2%
+5.2% YoY+0.8% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
88.0%
+1.8% YoY-2.5% QoQ
|
+10.7% |
77.3%
-3.0% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.8%
+2.5% YoY+31.7% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
96.4%
+9.4% YoY-2.0% QoQ
|
+23.7% |
72.7%
-1.5% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 6.3% in tier |
| AMR |
$22,507
+13.2% YoY+1.7% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
37.3%
+18.8% YoY+13.5% QoQ
|
+12.9% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
35.3%
-3.9% YoY-3.6% QoQ
|
+21.3% |
14.0%
-5.7% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)