BlastPoint's Credit Union Scorecard

FORT PECK COMMUNITY

Charter #8037 · MT

<100M

2556 CUs in <100M nationally 24 in MT

FORT PECK COMMUNITY faces 2 concerns requiring attention

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.65% below tier average
- Delinquency rate 1.70% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	1,183 -1.9% YoY-0.8% QoQ	-1.4K	2,615 -1.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	33%
Assets	$14.6M -2.9% YoY-1.9% QoQ	$-15.6M	$30.1M +2.1% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	41%
Loans	$7.9M -1.6% YoY-2.8% QoQ	$-7.8M	$15.8M -1.3% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	45%
Deposits	$12.8M -3.2% YoY-1.4% QoQ	$-12.9M	$25.7M +1.4% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	42%

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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	-0.0% -130.0% YoY-102.6% QoQ	-0.6%	0.6% +10.8% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	16%
NIM	3.7% +0.1% YoY-1.4% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	81.1% -9.8% YoY+5.1% QoQ	-1.5%	82.6% -2.3% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	53%
Delinquency Rate	3.3% -37.6% YoY+49.9% QoQ	+1.7	1.6% -3.1% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	Bottom 11.6% in tier
Loan To Share	62.0% +1.7% YoY-1.3% QoQ	+1.3%	60.6% -3.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	52%
AMR	$17,490 -0.7% YoY-1.1% QoQ	+$3K	$14,783 -1.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	68%
CD Concentration	0.2% +3.4% YoY+1.5% QoQ	-24.2%	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 (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

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

585

Share Certificate Concentration (%)

balance_sheet

Value: 0.21%

Peer Median: -

#585 of 2556 Top 22.8% in <100M tier

Top Weaknesses (6 metrics)

2261

Total Delinquency Rate (60+ days)

risk

Value: 3.26%

Peer Median: -

#2261 of 2556 Bottom 11.6% in <100M tier

2225

First Mortgage Concentration (%)

balance_sheet

Value: 40.30%

Peer Median: -

#2225 of 2556 Bottom 13.0% in <100M tier

2160

Return on Assets (ROA)

profitability

Value: -0.02%

Peer Median: -

#2160 of 2556 Bottom 15.5% in <100M tier

1991

Asset Growth Rate

growth

Value: -2.87%

Peer Median: -

#1991 of 2556 Bottom 22.1% in <100M tier

1965

Members Per Employee (MPE)

engagement

Value: 236.600

Peer Median: -

#1965 of 2556 Bottom 23.2% in <100M tier

1924

Deposit Growth Rate

growth

Value: -3.19%

Peer Median: -

#1924 of 2556 Bottom 24.8% in <100M tier