BlastPoint's Credit Union Scorecard
SEG
Charter #7405 · MT
SEG faces 1 concern requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 24 that size in Montana.
- Shares and deposits +1.7% year over year ($22.1M in shares and deposits).
- Membership: 2,010 members, +1.8% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.85%.
- Efficiency ratio 73.31% vs a 88.77% peer average.
- Loan-to-share ratio 79.00% vs a 58.89% 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 |
2,010
+1.8% YoY+0.9% QoQ
|
-575 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$25.6M
+2.2% YoY+0.2% QoQ
|
$-4.7M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$17.5M
+1.1% YoY-0.4% QoQ
|
+$2.0M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$22.1M
+1.7% YoY+0.0% QoQ
|
$-3.7M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.8%
-28.9% YoY-39.0% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.9%
-2.2% YoY+3.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
73.3%
+14.3% YoY+3.0% QoQ
|
-15.5% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.8%
+42.9% YoY+192.7% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
79.0%
-0.6% YoY-0.4% QoQ
|
+20.1% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$19,673
-0.4% YoY-1.0% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
33.1%
-2.8% YoY-1.6% QoQ
|
+8.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)