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 0.28% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: 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 0.08% below tier average
- - Efficiency ratio 5.14% above tier (higher cost structure)
- - Member decline: -8.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,704
-8.8% YoY+0.2% QoQ
|
+3.6K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$310.5M
+2.0% YoY+0.3% QoQ
|
+$78.8M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$213.0M
-6.0% YoY-0.6% QoQ
|
+$68.9M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$267.4M
+2.8% YoY+0.9% QoQ
|
+$66.3M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.6%
+126.1% YoY+120.1% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.9%
+5.9% YoY+4.0% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
83.2%
-6.3% YoY-7.8% QoQ
|
+5.1% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.5%
+277.1% YoY-23.7% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
79.7%
-8.6% YoY-1.5% QoQ
|
+9.2% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$25,688
+8.2% YoY+0.1% QoQ
|
+$769 |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
21.5%
-0.5% YoY-8.9% QoQ
|
-2.8% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
1.4%
-90.3% YoY-89.6% QoQ
|
-12.4% | 13.8% | 5.6% | 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)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)