BlastPoint's Credit Union Scorecard
PARK SIDE FINANCIAL
Charter #68647 · MT
PARK SIDE FINANCIAL has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 6.2% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 4.85% above tier (higher cost structure)
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 +3.5% year over year ($351M in shares and deposits).
- Membership: 30,183 members, -0.6% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 0.67%.
- Efficiency ratio 81.58% vs a 76.73% peer average.
- Loan-to-share ratio 77.26% 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 |
30,183
-0.6% YoY+0.0% QoQ
|
+15.0K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Top 6.3% in tier |
| Assets |
$390.4M
+4.5% YoY+0.3% QoQ
|
+$158.4M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Top 12.8% in tier |
| Loans |
$270.9M
-4.1% YoY+0.1% QoQ
|
+$124.6M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 10.5% in tier |
| Deposits |
$350.6M
+3.5% YoY+0.4% QoQ
|
+$149.9M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Top 10.0% in tier |
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| ROA |
0.7%
-34.7% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.3%
+12.9% YoY+2.9% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
81.6%
-16.8% YoY+9.3% QoQ
|
+4.8% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.2%
+69.1% YoY-63.1% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 10.7% in tier |
| Loan To Share |
77.3%
-7.4% YoY-0.4% QoQ
|
+5.7% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$20,592
+0.6% YoY+0.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
35.4%
+1.4% YoY+0.9% QoQ
|
+10.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
11.7%
+0.1% YoY+0.6% QoQ
|
-2.0% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)