BlastPoint's Credit Union Scorecard
RUSSELL COUNTRY
Charter #5387 · MT
RUSSELL COUNTRY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 13.44% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Net Worth Ratio: Bottom 1.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,897
+2.6% YoY+0.2% QoQ
|
-5.2K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$132.9M
+13.9% YoY+2.1% QoQ
|
$-98.9M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$107.1M
+8.8% YoY-0.6% QoQ
|
$-37.0M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$122.5M
+14.7% YoY+2.1% QoQ
|
$-78.6M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.3%
+111.4% YoY-19.4% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
3.2%
+2.0% YoY+1.7% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
91.5%
+1.3% YoY+5.2% QoQ
|
+13.4% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
1.1%
+243.9% YoY-12.4% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
87.5%
-5.2% YoY-2.6% QoQ
|
+17.0% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$23,204
+9.0% YoY+0.6% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
41.1%
+24.6% YoY+4.0% QoQ
|
+16.9% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
32.5%
-10.9% YoY-3.5% QoQ
|
+18.7% | 13.8% | 5.6% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)