BlastPoint's Credit Union Scorecard
TRICOUNTY
Charter #8097 · MT
TRICOUNTY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 25.19% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Members: Bottom 5.4% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
227
-2.6% YoY-0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
10,888
+4.4% YoY
|
33,913
+5.7% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.9M
+6.2% YoY+7.0% QoQ
|
$-28.3M |
$30.2M
+1.3% YoY
|
$199.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.8% in tier |
| Loans |
$899,167
-2.6% YoY-5.0% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$130.6M
+6.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.9% in tier |
| Deposits |
$1.7M
+7.6% YoY+8.1% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$171.8M
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.4% in tier |
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| ROA |
-1.2%
-1329.7% YoY+359.1% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.8%
+356.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.4% in tier |
| NIM |
3.3%
-26.6% YoY-24.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+0.6% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
115.8%
+17.7% YoY+10.9% QoQ
|
+25.2% |
90.6%
+6.5% YoY
|
77.3%
-4.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
-3.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
53.0%
-9.5% YoY-12.1% QoQ
|
-5.5% |
58.5%
-3.0% YoY
|
64.8%
-3.7% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$11,430
+6.6% YoY+3.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$22,075
+3.7% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)