BlastPoint's Credit Union Scorecard
TRICOUNTY
Charter #8097 · MT
TRICOUNTY has 1 strength but faces 7 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 0.61% below tier average
- - Efficiency ratio 24.28% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Total Members: Bottom 5.5% in tier
- - Total Assets: Bottom 8.1% in tier
- - Total Deposits: Bottom 9.7% 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 +2.4% year over year ($1.6M in shares and deposits).
- Membership: 219 members, -6.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.88%.
- Efficiency ratio 113.05% vs a 88.77% peer average.
- Loan-to-share ratio 54.38% 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 |
219
-6.4% YoY-3.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 5.4% in tier |
| Assets |
$1.7M
+1.4% YoY-7.3% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.0% in tier |
| Loans |
$848,289
-4.8% YoY-5.7% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.3% in tier |
| Deposits |
$1.6M
+2.4% YoY-8.0% QoQ
|
$-24.2M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.6% in tier |
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| ROA |
0.9%
-175.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.7%
-18.9% YoY+11.5% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
113.0%
+12.5% YoY-2.4% QoQ
|
+24.3% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.4%
-7.0% YoY+2.5% QoQ
|
-4.5% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$10,996
+6.6% YoY-3.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration | 0.0% | -24.6% | 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)