BlastPoint's Credit Union Scorecard
RIMROCK
Charter #63183 · MT
RIMROCK has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Member decline: -3.4% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +5.5% year over year ($53.8M in shares and deposits).
- Membership: 3,252 members, -3.4% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 1.31%.
- Efficiency ratio 63.69% vs a 88.77% peer average.
- Loan-to-share ratio 30.86% vs a 58.89% 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 |
3,252
-3.4% YoY0% QoQ
|
+666 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$64.0M
+6.2% YoY+0.7% QoQ
|
+$33.7M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$16.6M
+0.6% YoY-0.2% QoQ
|
+$1.2M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$53.8M
+5.5% YoY+0.3% QoQ
|
+$28.0M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
1.3%
-8.8% YoY-6.6% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.5%
-2.1% YoY+2.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
63.7%
+0.5% YoY+1.4% QoQ
|
-25.1% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.1%
+38.2% YoY+97.6% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
30.9%
-4.6% YoY-0.4% QoQ
|
-28.0% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.8% in tier |
| AMR |
$21,661
+8.0% YoY+0.2% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
24.1%
+8.6% YoY+1.2% QoQ
|
-0.5% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)