BlastPoint's Credit Union Scorecard
INTREPID
Charter #68495 · MT
INTREPID has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 6.76% above tier (higher cost structure)
- - Member decline: -8.9% YoY
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 +3.1% year over year ($269M in shares and deposits).
- Membership: 18,333 members, -8.9% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.68%.
- Efficiency ratio 83.49% vs a 76.73% peer average.
- Loan-to-share ratio 79.15% 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 |
18,333
-8.9% YoY-2.0% QoQ
|
+3.2K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$310.8M
+2.3% YoY+0.1% QoQ
|
+$78.8M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$212.6M
-4.5% YoY-0.2% QoQ
|
+$66.4M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$268.6M
+3.1% YoY+0.4% QoQ
|
+$67.9M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.7%
+207.9% YoY+4.5% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.9%
+5.8% YoY+0.8% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
83.5%
-6.4% YoY+0.4% QoQ
|
+6.8% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.4%
+251.5% YoY-10.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
79.2%
-7.3% YoY-0.6% QoQ
|
+7.6% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$26,249
+9.3% YoY+2.2% QoQ
|
+$1K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
22.3%
+3.7% YoY+3.9% QoQ
|
-2.2% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
14.5%
+1.9% YoY+908.5% QoQ
|
+0.9% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)