BlastPoint's Credit Union Scorecard
LINCOLN COUNTY
Charter #63199 · MT
LINCOLN COUNTY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 64.0% in tier
- + ROA 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.5% in tier
- - Credit Quality Pressure: Bottom 25.0% in tier
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Total Members: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,687
-0.0% YoY-0.1% QoQ
|
-9.8K |
15,437
-2.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$177.7M
+8.5% YoY+1.6% QoQ
|
$-54.2M |
$231.9M
+1.3% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$66.2M
-4.5% YoY-0.5% QoQ
|
$-81.1M |
$147.3M
-0.1% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.7% in tier |
| Deposits |
$139.0M
+8.3% YoY+1.4% QoQ
|
$-61.8M |
$200.8M
+0.8% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
1.8%
+12.5% YoY+0.6% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Top 4.8% in tier |
| NIM |
3.0%
+15.6% YoY+2.5% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
45.1%
-7.3% YoY+2.0% QoQ
|
-32.0% |
77.0%
-3.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
0.6%
+185.4% YoY+7.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
47.6%
-11.8% YoY-1.9% QoQ
|
-24.6% |
72.2%
-1.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.3% in tier |
| AMR |
$36,084
+3.9% YoY+0.9% QoQ
|
+$11K |
$24,676
+3.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
Top 8.1% in tier |
| CD Concentration |
20.6%
+29.5% YoY+5.6% QoQ
|
-3.8% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)