BlastPoint's Credit Union Scorecard

SEG

Charter #7405 · MT

<100M

2508 CUs in <100M nationally 24 in MT

SEG demonstrates 1 strength

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.24% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	1,992 +2.3% YoY+0.3% QoQ	-684	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	52%
Assets	$25.5M -2.3% YoY+1.1% QoQ	$-4.7M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	54%
Loans	$17.5M +2.2% YoY+1.0% QoQ	+$2.2M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	67%
Deposits	$22.1M -3.7% YoY+0.7% QoQ	$-3.7M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	55%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% +92.0% YoY+53.1% QoQ	+1.2%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	82%
NIM	3.8% -2.9% YoY-7.7% QoQ	-0.2%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	71.1% +11.5% YoY+1.4% QoQ	-19.5%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	0.3% +42.1% YoY-37.6% QoQ	-1.2	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	32%
Loan To Share	79.3% +6.2% YoY+0.3% QoQ	+20.8%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	81%
AMR	$19,880 -3.4% YoY+0.6% QoQ	+$5K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	77%
CD Concentration	33.6% -0.1% YoY+6.1% QoQ	+9.4%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

322

Loan-to-Member Ratio (LMR)

engagement

Value: $8,793

Peer Median: $4,923

#322 of 2508 Top 12.8% in <100M tier

362

Members Per Employee (MPE)

engagement

Value: 498.000

Peer Median: 333.750

#362 of 2508 Top 14.4% in <100M tier

375

Member Growth Rate

growth

Value: 2.31%

Peer Median: -1.37%

#375 of 2508 Top 14.9% in <100M tier

430

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#430 of 2508 Top 17.1% in <100M tier

437

Fee Income Per Member

profitability

Value: $129.22

Peer Median: $60.42

#437 of 2508 Top 17.4% in <100M tier

442

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Median: 0.61%

#442 of 2508 Top 17.6% in <100M tier

480

Loan-to-Share Ratio

balance_sheet

Value: 79.30%

Peer Median: 58.72%

#480 of 2508 Top 19.1% in <100M tier

571

Average Member Relationship (AMR)

engagement

Value: $19,880

Peer Median: $13,926

#571 of 2508 Top 22.7% in <100M tier

Top Weaknesses (3 metrics)

2187

Share Certificate Concentration (%)

balance_sheet

Value: 33.63%

Peer Median: 12.45%

#2187 of 2508 Bottom 12.8% in <100M tier

1928

AMR Growth Rate

growth

Value: -3.40%

Peer Median: 1.27%

#1928 of 2508 Bottom 23.2% in <100M tier

1907

Deposit Growth Rate

growth

Value: -3.72%

Peer Median: 0.66%

#1907 of 2508 Bottom 24.0% in <100M tier