BlastPoint's Credit Union Scorecard
MONTANA EDUCATORS'
Charter #68190 · MT
MONTANA EDUCATORS' has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + AMR Growth Rate: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Average Member Relationship (AMR): Top 2.8% in tier
- + Loan Growth Rate: Top 5.4% in tier
- + Asset Growth Rate: Top 6.2% in tier
- + Deposit Growth Rate: Top 7.3% in tier
- + Fee Income Per Member: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.9% YoY
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,678
-5.9% YoY-1.5% QoQ
|
-937 |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$34.3M
+11.7% YoY+4.2% QoQ
|
+$4.2M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$24.4M
+16.1% YoY+0.6% QoQ
|
+$8.7M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$31.0M
+11.7% YoY+4.7% QoQ
|
+$5.3M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+40.1% YoY-0.8% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.9%
+6.3% YoY-0.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
72.2%
-7.7% YoY-0.6% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.5%
+269.9% YoY-28.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
78.8%
+4.0% YoY-3.9% QoQ
|
+18.2% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$33,014
+20.8% YoY+4.5% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
Top 2.8% in tier |
| CD Concentration |
41.5%
+8.1% YoY-1.8% QoQ
|
+17.0% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
4.5%
-28.2% YoY-5.6% QoQ
|
-9.3% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)