BlastPoint's Credit Union Scorecard

LINCOLN COUNTY

Charter #63199 · MT

1077 CUs in 100M-500M nationally 13 in MT

LINCOLN COUNTY has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 20.7% in tier
+ Relationship Depth Leader: Top 99.2% in tier
+ ROA 0.98% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 0.7% in tier
+ Net Worth Ratio: Top 2.1% in tier
+ Average Member Relationship (AMR): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.8% in tier
- Liquidity Overhang: Bottom 9.8% in tier
- First Mortgage Concentration (%): Bottom 3.2% in tier
- Total Members: Bottom 4.7% in tier
- Loan-to-Share Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	5,692 +0.0% YoY+0.3% QoQ	-9.9K	15,628 -3.4% YoY	10,775 +3.4% YoY	33,089 +6.1% YoY	Bottom 4.6% in tier
Assets	$174.9M +4.8% YoY+2.5% QoQ	$-56.4M	$231.3M -0.0% YoY	$192.0M +6.5% YoY	$547.7M +7.8% YoY	41%
Loans	$66.6M -3.6% YoY-2.6% QoQ	$-81.2M	$147.8M -1.4% YoY	$128.7M +5.8% YoY	$388.7M +8.6% YoY	Bottom 13.2% in tier
Deposits	$137.1M +3.6% YoY+2.4% QoQ	$-63.2M	$200.3M -0.0% YoY	$165.1M +6.8% YoY	$464.6M +9.3% YoY	34%

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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	1.8% +20.1% YoY+8.1% QoQ	+1.0%	0.8% +15.5% YoY	0.8% -56.8% YoY	0.7% +273.4% YoY	Top 5.9% in tier
NIM	2.9% +18.7% YoY-0.2% QoQ	-0.6%	3.6% +6.9% YoY	3.7% +3.8% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	44.2% -12.6% YoY-3.2% QoQ	-33.1%	77.3% -3.0% YoY	75.4% +3.6% YoY	79.1% -3.3% YoY	Bottom 0.7% in tier
Delinquency Rate	0.6% +255.7% YoY+276.5% QoQ	-0.3	0.9% +7.6% YoY	1.0% -7.2% YoY	1.2% -0.9% YoY	42%
Loan To Share	48.6% -7.0% YoY-4.9% QoQ	-24.1%	72.7% -1.5% YoY	68.8% -2.3% YoY	68.0% -1.7% YoY	Bottom 9.8% in tier
AMR	$35,779 +1.1% YoY+0.4% QoQ	+$11K	$24,363 +2.9% YoY	$21,496 +3.0% YoY	$19,418 +1.3% YoY	Top 8.1% in tier
CD Concentration	19.5% +32.0% YoY+15.0% QoQ	-4.9%	24.4% +4.2% YoY	17.7% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	6.1% -1.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#71 of 340 • Top 20.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.76%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#255 of 257 • Top 99.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.14%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $4.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#193 of 736 • Bottom 7.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk

#14 of 134 • Bottom 9.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.46%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 48.57%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 44.20%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.46%

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.76%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,779

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

138

Members Per Employee (MPE)

engagement

Value: 437.846

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1043

First Mortgage Concentration (%)

balance_sheet

Value: 67.19%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

1027

Total Members

engagement

Value: 5,692

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

971

Loan-to-Share Ratio

balance_sheet

Value: 48.57%

Peer Avg: -

#971 of 1077 Bottom 9.9% in 100M-500M tier

935

Total Loans

balance_sheet

Value: $66.58M

Peer Avg: -

#935 of 1077 Bottom 13.3% in 100M-500M tier

881

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Avg: -

#881 of 1077 Bottom 18.3% in 100M-500M tier

881

Loan Growth Rate

growth

Value: -3.57%

Peer Avg: -

#881 of 1077 Bottom 18.3% in 100M-500M tier