BlastPoint's Credit Union Scorecard
INTREPID
Charter #68495 · MT
INTREPID has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.0% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.3% in tier
- - Stagnation Risk: Bottom 5.2% in tier
- - Membership Headwinds: Bottom 6.0% in tier
- - Credit Quality Pressure: Bottom 23.9% in tier
- - Efficiency Drag: Bottom 40.4% in tier
- - Flatlined Growth: Bottom 100.0% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 13.21% above tier (higher cost structure)
- - Member decline: -10.7% YoY
- - Member Growth Rate: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,666
-10.7% YoY-3.1% QoQ
|
+3.2K |
15,437
-2.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$309.6M
+2.0% YoY+0.0% QoQ
|
+$77.7M |
$231.9M
+1.3% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$214.2M
-8.8% YoY-2.5% QoQ
|
+$66.9M |
$147.3M
-0.1% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$265.0M
+3.1% YoY+1.6% QoQ
|
+$64.2M |
$200.8M
+0.8% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
75% |
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 |
0.3%
+49.0% YoY-19.2% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.8%
+4.9% YoY-0.5% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
90.2%
+1.8% YoY+2.3% QoQ
|
+13.2% |
77.0%
-3.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
0.6%
+167.2% YoY+215.7% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
80.8%
-11.5% YoY-4.1% QoQ
|
+8.6% |
72.2%
-1.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$25,675
+9.0% YoY+2.9% QoQ
|
+$999 |
$24,676
+3.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
23.6%
+13.7% YoY+6.9% QoQ
|
-0.9% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
13.9%
-10.5% YoY-2.7% QoQ
|
+0.1% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)