BlastPoint's Credit Union Scorecard
PARK SIDE FINANCIAL
Charter #68647 · MT
PARK SIDE FINANCIAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 14.33% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,155
-0.2% YoY-0.5% QoQ
|
+14.7K |
15,437
-2.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$378.7M
+0.4% YoY+0.2% QoQ
|
+$146.8M |
$231.9M
+1.3% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Top 14.1% in tier |
| Loans |
$267.6M
-5.4% YoY-2.4% QoQ
|
+$120.2M |
$147.3M
-0.1% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Top 10.5% in tier |
| Deposits |
$341.4M
+0.5% YoY-0.0% QoQ
|
+$140.5M |
$200.8M
+0.8% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.6% in tier |
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| ROA |
0.2%
-18.2% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.3% in tier |
| NIM |
3.1%
+16.9% YoY+1.4% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
91.3%
-7.1% YoY+0.4% QoQ
|
+14.3% |
77.0%
-3.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
0.2%
-20.0% YoY-11.9% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.3% in tier |
| Loan To Share |
78.4%
-5.8% YoY-2.4% QoQ
|
+6.2% |
72.2%
-1.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$20,193
-1.9% YoY-0.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
36.4%
+3.1% YoY+1.5% QoQ
|
+12.0% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
11.3%
+12.0% YoY-2.6% QoQ
|
-2.4% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)