BlastPoint's Credit Union Scorecard
LINCOLN COUNTY
Charter #63199 · MT
LINCOLN COUNTY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 1.33% above tier average
- + Efficiency Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 2.1% in tier
- - Total Members: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,698
-0.3% YoY+0.2% QoQ
|
-9.4K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$182.4M
+8.6% YoY+2.7% QoQ
|
$-49.3M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$64.4M
-7.1% YoY-2.8% QoQ
|
$-79.8M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.4% in tier |
| Deposits |
$142.9M
+8.3% YoY+2.8% QoQ
|
$-58.2M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
2.1%
+40.6% YoY+16.2% QoQ
|
+1.3% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
Top 3.1% in tier |
| NIM |
3.1%
+4.7% YoY+2.0% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
38.7%
-18.6% YoY-14.1% QoQ
|
-39.3% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
0.2%
-68.0% YoY-71.1% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 10.7% in tier |
| Loan To Share |
45.0%
-14.2% YoY-5.4% QoQ
|
-25.4% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.6% in tier |
| AMR |
$36,375
+3.3% YoY+0.8% QoQ
|
+$11K |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 8.4% in tier |
| CD Concentration |
21.4%
+29.1% YoY+4.2% QoQ
|
-2.8% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.7% | 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 (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)