BlastPoint's Credit Union Scorecard

RIMROCK

Charter #63183 · MT

<100M

2508 CUs in <100M nationally 24 in MT

RIMROCK has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.25% above tier average
+ Members Per Employee (MPE): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	3,252 -3.5% YoY-2.7% QoQ	+575	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	71%
Assets	$63.5M +5.5% YoY+3.8% QoQ	+$33.3M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	84%
Loans	$16.6M +6.7% YoY-1.8% QoQ	+$1.4M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	65%
Deposits	$53.7M +4.7% YoY+4.0% QoQ	+$27.9M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +6.4% YoY-7.5% QoQ	+1.3%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	82%
NIM	3.4% -4.3% YoY-6.5% QoQ	-0.6%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	62.8% +0.4% YoY+1.1% QoQ	-27.8%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	0.1% -66.2% YoY-78.9% QoQ	-1.4	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	20%
Loan To Share	31.0% +2.0% YoY-5.5% QoQ	-27.5%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Bottom 12.4% in tier
AMR	$21,626 +9.0% YoY+5.4% QoQ	+$7K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	83%
CD Concentration	23.8% +10.5% YoY+4.8% QoQ	-0.5%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

144

Members Per Employee (MPE)

engagement

Value: 650.400

Peer Median: 333.750

#144 of 2508 Top 5.7% in <100M tier

290

AMR Growth Rate

growth

Value: 8.99%

Peer Median: 1.27%

#290 of 2508 Top 11.5% in <100M tier

388

Efficiency Ratio

profitability

Value: 62.80%

Peer Median: 81.45%

#388 of 2508 Top 15.4% in <100M tier

391

Total Assets

balance_sheet

Value: $63.52M

Peer Median: $21.86M

#391 of 2508 Top 15.6% in <100M tier

393

Loan Growth Rate

growth

Value: 6.71%

Peer Median: -2.36%

#393 of 2508 Top 15.6% in <100M tier

404

Total Deposits

balance_sheet

Value: $53.69M

Peer Median: $18.77M

#404 of 2508 Top 16.1% in <100M tier

420

Average Member Relationship (AMR)

engagement

Value: $21,626

Peer Median: $13,926

#420 of 2508 Top 16.7% in <100M tier

438

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.61%

#438 of 2508 Top 17.4% in <100M tier

499

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.65%

#499 of 2508 Top 19.9% in <100M tier

Top Weaknesses (2 metrics)

2196

Net Charge-Off Rate

risk

Value: 1.12%

Peer Median: 0.07%

#2196 of 2508 Bottom 12.5% in <100M tier

2196

Loan-to-Share Ratio

balance_sheet

Value: 30.98%

Peer Median: 58.72%

#2196 of 2508 Bottom 12.5% in <100M tier