BlastPoint's Credit Union Scorecard
RUSSELL COUNTRY
Charter #5387 · MT
RUSSELL COUNTRY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 15.82% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Net Worth Ratio: Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 9.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Montana.
- Shares and deposits +10.6% year over year ($121M in shares and deposits).
- Membership: 9,901 members, +1.2% vs a year ago.
- Delinquency rate 1.12%.
- Return on assets 0.17%.
- Efficiency ratio 92.55% vs a 76.73% peer average.
- Loan-to-share ratio 87.58% vs a 71.54% 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 |
9,901
+1.2% YoY+0.0% QoQ
|
-5.3K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$131.1M
+7.6% YoY-1.3% QoQ
|
$-100.9M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$105.7M
-1.5% YoY-1.3% QoQ
|
$-40.5M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$120.7M
+10.6% YoY-1.5% QoQ
|
$-80.0M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.2%
-22.3% YoY-36.8% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.9% in tier |
| NIM |
3.3%
+4.3% YoY+3.6% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
92.6%
+2.5% YoY+1.2% QoQ
|
+15.8% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
1.1%
+81.8% YoY-0.0% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
87.6%
-11.0% YoY+0.1% QoQ
|
+16.0% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$22,869
+3.3% YoY-1.4% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
38.3%
+16.5% YoY-6.9% QoQ
|
+13.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
32.3%
-11.9% YoY-0.8% QoQ
|
+18.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)