BlastPoint's Credit Union Scorecard
WHITEFISH CREDIT UNION ASSOCIATION
Charter #61949 · MT
WHITEFISH CREDIT UNION ASSOCIATION has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 42.1% in tier
- + Organic Growth Engine: Top 42.1% in tier
- + Total Delinquency Rate (60+ days): Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.0% in tier
- + Average Member Relationship (AMR): Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.1% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 8.70% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,905
+2.9% YoY+1.0% QoQ
|
-31.1K |
96,048
-2.7% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$2.1B
+3.9% YoY-2.0% QoQ
|
+$344.6M |
$1.7B
+0.4% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$1.4B
+6.7% YoY+3.5% QoQ
|
+$138.5M |
$1.2B
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$1.8B
+1.6% YoY+0.5% QoQ
|
+$313.0M |
$1.5B
+0.5% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.4%
+31.1% YoY-16.2% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.3%
+7.1% YoY+3.6% QoQ
|
-1.0% |
3.4%
+6.2% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
83.3%
-2.4% YoY+3.2% QoQ
|
+8.7% |
74.6%
-3.0% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
0.1%
-63.0% YoY-50.4% QoQ
|
-0.7 |
0.8%
+6.9% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 1.3% in tier |
| Loan To Share |
76.0%
+5.0% YoY+3.0% QoQ
|
-7.2% |
83.2%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$48,236
+0.8% YoY+0.8% QoQ
|
+$19K |
$29,652
+2.3% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 3.6% in tier |
| CD Concentration |
36.2%
+9.1% YoY-0.5% QoQ
|
+7.4% | 28.8% | 18.1% | 19.8% | 81% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 5.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)