BlastPoint's Credit Union Scorecard
FORT PECK COMMUNITY
Charter #8037 · MT
FORT PECK COMMUNITY faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 5.69% above tier (higher cost structure)
- - Delinquency rate 2.39% above tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.0% in tier
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 -1.0% year over year ($12.5M in shares and deposits).
- Membership: 1,172 members, -2.3% vs a year ago.
- Delinquency rate 3.93%.
- Return on assets 0.21%.
- Efficiency ratio 94.45% vs a 88.77% peer average.
- Loan-to-share ratio 60.78% 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 |
1,172
-2.3% YoY-0.5% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$14.3M
-1.0% YoY-1.2% QoQ
|
$-16.0M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$7.6M
-4.2% YoY-1.3% QoQ
|
$-7.9M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$12.5M
-1.0% YoY-1.4% QoQ
|
$-13.3M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
0.2%
-73.0% YoY+6.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.9% in tier |
| NIM |
3.4%
-8.7% YoY+2.5% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
94.5%
+16.5% YoY-0.2% QoQ
|
+5.7% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
3.9%
+94.0% YoY+43.9% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.0% in tier |
| Loan To Share |
60.8%
-3.2% YoY+0.1% QoQ
|
+1.9% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$17,098
+0.1% YoY-0.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
0.2%
+1.1% YoY+1.4% QoQ
|
-24.3% | 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)