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 1.11% above tier average
- + Net Interest Margin 0.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + AMR Growth Rate: Top 4.0% in tier
- + Asset Growth Rate: Top 6.3% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
- - First Mortgage Concentration (%): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,661
-4.4% YoY-1.0% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$35.2M
+10.7% YoY+2.4% QoQ
|
+$5.0M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$24.6M
+12.5% YoY+0.9% QoQ
|
+$9.4M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$31.7M
+10.5% YoY+2.4% QoQ
|
+$5.9M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
1.3%
-1.7% YoY-6.3% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.1%
+8.7% YoY+4.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
73.1%
+1.9% YoY+1.2% QoQ
|
-17.6% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.7%
+1.8% YoY-1.4% QoQ
|
+19.2% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$33,928
+16.5% YoY+2.8% QoQ
|
+$19K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 2.3% in tier |
| CD Concentration |
40.6%
+6.8% YoY-2.1% QoQ
|
+16.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
4.2%
-25.3% YoY-5.9% QoQ
|
-9.6% | 13.8% | 5.6% | 7.7% | 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)