BlastPoint's Credit Union Scorecard

FORT PECK COMMUNITY

Charter #8037 · MT

<100M

2508 CUs in <100M nationally 24 in MT

FORT PECK COMMUNITY faces 3 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

- Efficiency ratio 4.03% above tier (higher cost structure)
- Delinquency rate 1.23% above tier average
- Net Charge-Off Rate: Bottom 1.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	1,178 -1.6% YoY-0.4% QoQ	-1.5K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	33%
Assets	$14.4M -1.4% YoY-0.9% QoQ	$-15.8M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	40%
Loans	$7.7M -4.2% YoY-3.1% QoQ	$-7.6M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	45%
Deposits	$12.6M -1.5% YoY-1.1% QoQ	$-13.1M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	41%

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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	0.2% -72.5% YoY	+0.0%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	29%
NIM	3.3% -5.5% YoY-10.1% QoQ	-0.7%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	29%
Efficiency Ratio	94.7% +16.4% YoY+16.8% QoQ	+4.0%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	2.7% -48.5% YoY-16.1% QoQ	+1.2	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	Bottom 13.0% in tier
Loan To Share	60.7% -2.8% YoY-2.0% QoQ	+2.2%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	53%
AMR	$17,242 -1.0% YoY-1.4% QoQ	+$2K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	66%
CD Concentration	0.2% +1.6% YoY+1.1% QoQ	-24.1%	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 (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

573

Share Certificate Concentration (%)

balance_sheet

Value: 0.21%

Peer Median: 12.45%

#573 of 2508 Top 22.8% in <100M tier

Top Weaknesses (5 metrics)

2467

Net Charge-Off Rate

risk

Value: 7.58%

Peer Median: 0.07%

#2467 of 2508 Bottom 1.7% in <100M tier

2191

First Mortgage Concentration (%)

balance_sheet

Value: 41.55%

Peer Median: 3.66%

#2191 of 2508 Bottom 12.7% in <100M tier

2183

Total Delinquency Rate (60+ days)

risk

Value: 2.73%

Peer Median: 0.65%

#2183 of 2508 Bottom 13.0% in <100M tier

1943

Efficiency Ratio

profitability

Value: 94.66%

Peer Median: 81.45%

#1943 of 2508 Bottom 22.6% in <100M tier

1929

Members Per Employee (MPE)

engagement

Value: 235.600

Peer Median: 333.750

#1929 of 2508 Bottom 23.1% in <100M tier