BlastPoint's Credit Union Scorecard

SEG

Charter #7405 · MT

<100M

2556 CUs in <100M nationally 24 in MT

SEG demonstrates 2 strengths

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 0.29% above tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	1,987 +2.2% YoY+0.2% QoQ	-628	2,615 -1.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	51%
Assets	$25.3M -1.3% YoY+1.8% QoQ	$-4.9M	$30.1M +2.1% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	54%
Loans	$17.3M +0.4% YoY+1.7% QoQ	+$1.6M	$15.8M -1.3% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	65%
Deposits	$21.9M -2.2% YoY+1.9% QoQ	$-3.8M	$25.7M +1.4% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -29.2% YoY-3.4% QoQ	+0.3%	0.6% +10.8% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	61%
NIM	4.1% +3.7% YoY-0.2% QoQ	+0.2%	4.0% +4.0% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	70.2% +3.8% YoY+4.9% QoQ	-12.4%	82.6% -2.3% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.4% -27.4% YoY-2.2% QoQ	-1.1	1.6% -3.1% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	37%
Loan To Share	79.1% +2.7% YoY-0.2% QoQ	+18.5%	60.6% -3.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	77%
AMR	$19,760 -3.2% YoY+1.6% QoQ	+$5K	$14,783 -1.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	78%
CD Concentration	31.7% -6.4% YoY-3.3% QoQ	+7.3%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	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 2556 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

352

Loan-to-Member Ratio (LMR)

engagement

Value: $8,727

Peer Median: -

#352 of 2556 Top 13.7% in <100M tier

366

Member Growth Rate

growth

Value: 2.21%

Peer Median: -

#366 of 2556 Top 14.3% in <100M tier

380

Members Per Employee (MPE)

engagement

Value: 496.750

Peer Median: -

#380 of 2556 Top 14.8% in <100M tier

403

Fee Income Per Member

profitability

Value: $146.32

Peer Median: -

#403 of 2556 Top 15.7% in <100M tier

566

Average Member Relationship (AMR)

engagement

Value: $19,760

Peer Median: -

#566 of 2556 Top 22.1% in <100M tier

575

Loan-to-Share Ratio

balance_sheet

Value: 79.10%

Peer Median: -

#575 of 2556 Top 22.5% in <100M tier

Top Weaknesses (2 metrics)

2157

Share Certificate Concentration (%)

balance_sheet

Value: 31.71%

Peer Median: -

#2157 of 2556 Bottom 15.6% in <100M tier

1984

AMR Growth Rate

growth

Value: -3.21%

Peer Median: -

#1984 of 2556 Bottom 22.4% in <100M tier