BlastPoint's Credit Union Scorecard

LINCOLN COUNTY

Charter #63199 · MT

100M-500M

1024 CUs in 100M-500M nationally 12 in MT

LINCOLN COUNTY has 8 strengths but faces 6 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 1.27% above tier average
+ Efficiency Ratio: Top 0.6% in tier
+ Net Worth Ratio: Top 2.6% in tier
+ Average Member Relationship (AMR): Top 8.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 2.1% in tier
- Loan Growth Rate: Bottom 2.3% in tier
- Total Members: Bottom 5.4% in tier
- Loan-to-Share Ratio: Bottom 5.5% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Montana.
Shares and deposits +9.2% year over year ($146M in shares and deposits).
Membership: 5,733 members, +1.0% vs a year ago.
Delinquency rate 0.22%.
Return on assets 2.13%.
Efficiency ratio 38.08% vs a 76.73% peer average.
Loan-to-share ratio 42.07% vs a 71.54% 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	5,733 +1.0% YoY+0.6% QoQ	-9.4K	15,168 -2.6% YoY	10,566 -1.9% YoY	34,678 +6.6% YoY	Bottom 5.3% in tier
Assets	$186.6M +9.3% YoY+2.3% QoQ	$-45.4M	$232.0M +0.7% YoY	$194.5M +2.8% YoY	$593.1M +10.2% YoY	46%
Loans	$61.5M -10.0% YoY-4.4% QoQ	$-84.8M	$146.3M +0.2% YoY	$131.1M +3.2% YoY	$418.6M +10.1% YoY	Bottom 11.8% in tier
Deposits	$146.2M +9.2% YoY+2.3% QoQ	$-54.5M	$200.7M +0.2% YoY	$167.3M +2.4% YoY	$504.8M +10.3% YoY	39%

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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	2.1% +30.6% YoY+3.3% QoQ	+1.3%	0.9% +12.5% YoY	0.9% +32.5% YoY	1.2% +121.4% YoY	Top 2.4% in tier
NIM	3.2% +7.5% YoY+3.0% QoQ	-0.5%	3.7% +4.5% YoY	3.7% -0.1% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	38.1% -16.5% YoY-1.6% QoQ	-38.7%	76.7% -0.8% YoY	77.6% +2.2% YoY	83.0% -5.3% YoY	Top 0.6% in tier
Delinquency Rate	0.2% +52.6% YoY+30.8% QoQ	-0.7	0.9% +6.6% YoY	0.8% +6.4% YoY	1.3% +2.6% YoY	Top 12.7% in tier
Loan To Share	42.1% -17.6% YoY-6.6% QoQ	-29.5%	71.5% -0.3% YoY	65.5% -4.7% YoY	66.4% -1.4% YoY	Bottom 5.4% in tier
AMR	$36,228 +1.7% YoY-0.4% QoQ	+$11K	$25,107 +3.2% YoY	$22,069 +4.9% YoY	$20,028 -0.9% YoY	Top 8.9% in tier
CD Concentration	23.6% +39.0% YoY+9.9% QoQ	-1.0%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.7%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#81 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 2.13%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#88 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.13%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Organic Growth Leader

growth

#292 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#245 of 262 • Top 50.0% 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): 1.68%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $4.7K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (2)

Liquidity Overhang

risk

#13 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 21.61%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 42.07%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Credit Quality Pressure

risk

#532 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 38.08%

Peer Median: 77.26%

#7 of 1024 Top 0.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.13%

Peer Median: 0.75%

#25 of 1024 Top 2.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 21.61%

Peer Median: 11.71%

#28 of 1024 Top 2.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,228

Peer Median: $23,006

#91 of 1024 Top 8.8% in 100M-500M tier

119

Deposit Growth Rate

growth

Value: 9.22%

Peer Median: 3.58%

#119 of 1024 Top 11.5% in 100M-500M tier

124

Members Per Employee (MPE)

engagement

Value: 441.000

Peer Median: 310.924

#124 of 1024 Top 12.0% in 100M-500M tier

130

Asset Growth Rate

growth

Value: 9.32%

Peer Median: 4.12%

#130 of 1024 Top 12.6% in 100M-500M tier

131

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.71%

#131 of 1024 Top 12.7% in 100M-500M tier

175

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#175 of 1024 Top 17.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1003

First Mortgage Concentration (%)

balance_sheet

Value: 70.20%

Peer Median: 29.92%

#1003 of 1024 Bottom 2.1% in 100M-500M tier

1001

Loan Growth Rate

growth

Value: -10.02%

Peer Median: 3.02%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

970

Total Members

engagement

Value: 5,733

Peer Median: 13,128

#970 of 1024 Bottom 5.4% in 100M-500M tier

969

Loan-to-Share Ratio

balance_sheet

Value: 42.07%

Peer Median: 73.07%

#969 of 1024 Bottom 5.5% in 100M-500M tier

903

Total Loans

balance_sheet

Value: $61.50M

Peer Median: $124.04M

#903 of 1024 Bottom 11.9% in 100M-500M tier

810

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.67%

#810 of 1024 Bottom 21.0% in 100M-500M tier