BlastPoint's Credit Union Scorecard
MONTANA EDUCATORS'
Charter #68190 · MT
MONTANA EDUCATORS' has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Average Member Relationship (AMR): Top 2.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Asset Growth Rate: Top 6.1% in tier
- + Fee Income Per Member: Top 6.2% in tier
- + Deposit Growth Rate: Top 7.8% in tier
- + AMR Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.8% YoY
- - First Mortgage Concentration (%): Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 7.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +10.3% year over year ($31.7M in shares and deposits).
- Membership: 1,658 members, -4.8% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.52%.
- Efficiency ratio 68.24% vs a 88.77% peer average.
- Loan-to-share ratio 70.46% vs a 58.89% 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 |
1,658
-4.8% YoY-0.2% QoQ
|
-927 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$35.3M
+10.4% YoY+0.5% QoQ
|
+$5.1M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$22.3M
-0.8% YoY-9.5% QoQ
|
+$6.8M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$31.7M
+10.3% YoY-0.2% QoQ
|
+$5.8M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
1.5%
+11.2% YoY+20.5% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
4.2%
+8.2% YoY+0.9% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
68.2%
-4.7% YoY-6.6% QoQ
|
-20.5% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate | 0.4% | -1.2 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
70.5%
-10.1% YoY-9.3% QoQ
|
+11.6% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$32,541
+10.8% YoY-4.1% QoQ
|
+$18K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 2.8% in tier |
| CD Concentration |
40.9%
-2.6% YoY+0.6% QoQ
|
+16.3% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
4.2%
-21.7% YoY+0.7% QoQ
|
-9.4% | 13.6% | 5.7% | 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)