BlastPoint's Credit Union Scorecard

RIMROCK

Charter #63183 · MT

<100M

2556 CUs in <100M nationally 24 in MT

RIMROCK demonstrates 2 strengths

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 0.89% above tier average
+ Members Per Employee (MPE): Top 2.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	3,343 -0.9% YoY-0.3% QoQ	+727	2,615 -1.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	72%
Assets	$61.2M +2.8% YoY+1.9% QoQ	+$31.0M	$30.1M +2.1% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	84%
Loans	$16.9M +2.3% YoY+1.4% QoQ	+$1.2M	$15.8M -1.3% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	65%
Deposits	$51.6M +1.7% YoY+2.0% QoQ	+$26.0M	$25.7M +1.4% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	83%

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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	1.5% -0.7% YoY+5.6% QoQ	+0.9%	0.6% +10.8% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	84%
NIM	3.7% -1.0% YoY+0.6% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	62.1% +1.7% YoY-2.5% QoQ	-20.4%	82.6% -2.3% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	Top 13.9% in tier
Delinquency Rate	0.4% +36.2% YoY+19.7% QoQ	-1.2	1.6% -3.1% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	34%
Loan To Share	32.8% +0.7% YoY-0.6% QoQ	-27.8%	60.6% -3.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	Bottom 12.3% in tier
AMR	$20,516 +2.8% YoY+2.2% QoQ	+$6K	$14,783 -1.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	81%
CD Concentration	22.7% +2.8% YoY-4.0% QoQ	-1.7%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	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 2556 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 835.750

Peer Median: -

#64 of 2556 Top 2.5% in <100M tier

357

Efficiency Ratio

profitability

Value: 62.13%

Peer Median: -

#357 of 2556 Top 13.9% in <100M tier

406

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Median: -

#406 of 2556 Top 15.8% in <100M tier

423

Total Assets

balance_sheet

Value: $61.18M

Peer Median: -

#423 of 2556 Top 16.5% in <100M tier

440

Total Deposits

balance_sheet

Value: $51.65M

Peer Median: -

#440 of 2556 Top 17.2% in <100M tier

493

Average Member Relationship (AMR)

engagement

Value: $20,516

Peer Median: -

#493 of 2556 Top 19.2% in <100M tier

Top Weaknesses (1 metrics)

2239

Loan-to-Share Ratio

balance_sheet

Value: 32.80%

Peer Median: -

#2239 of 2556 Bottom 12.4% in <100M tier