BlastPoint's Credit Union Scorecard
PARK SIDE FINANCIAL
Charter #68647 · MT
PARK SIDE FINANCIAL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Fee Income Per Member: Top 2.8% in tier
- + Total Members: Top 6.0% in tier
- + Total Loans: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,171
-0.2% YoY+0.1% QoQ
|
+15.0K |
15,145
-2.5% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Top 6.1% in tier |
| Assets |
$389.1M
+4.0% YoY+2.8% QoQ
|
+$157.4M |
$231.7M
+0.8% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Top 12.7% in tier |
| Loans |
$270.7M
-5.0% YoY+1.2% QoQ
|
+$126.6M |
$144.1M
+0.2% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Top 9.3% in tier |
| Deposits |
$349.1M
+2.9% YoY+2.3% QoQ
|
+$148.0M |
$201.1M
+0.4% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 10.7% in tier |
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| ROA |
1.0%
-655.8% YoY+343.1% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.2%
+14.8% YoY+5.5% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
74.6%
-28.2% YoY-18.3% QoQ
|
-3.4% |
78.0%
-1.7% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.5%
+83.5% YoY+154.4% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
77.5%
-7.7% YoY-1.1% QoQ
|
+7.1% |
70.4%
-0.4% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$20,544
-0.5% YoY+1.7% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
35.1%
-1.3% YoY-3.6% QoQ
|
+10.8% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
11.6%
+6.6% YoY+2.3% QoQ
|
-2.2% | 13.8% | 5.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)