BlastPoint's Credit Union Scorecard
TRICOUNTY
Charter #8097 · MT
<100M
2556 CUs in <100M nationally
24 in MT
TRICOUNTY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
- + Loan Growth Rate: Top 7.8% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 21.86% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Members: Bottom 5.3% in tier
- - Total Assets: Bottom 8.6% in tier
- - Total Deposits: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
228
-4.6% YoY-3.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$1.8M
+0.9% YoY+3.6% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.6% in tier |
| Loans |
$946,649
+12.5% YoY+4.5% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.9% in tier |
| Deposits |
$1.6M
+1.4% YoY+4.5% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.9% in tier |
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| ROA |
-0.3%
-130.2% YoY+247.2% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.5% in tier |
| NIM |
4.4%
-11.1% YoY-4.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
104.4%
+21.7% YoY+3.1% QoQ
|
+21.9% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
60.4%
+11.0% YoY-0.0% QoQ
|
-0.2% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$11,030
+10.4% YoY+8.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration | 0.0% | -24.4% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
109
Net Charge-Off Rate
risk
Value:
-0.06%
Peer Median: -
#109 of 2556
Top 4.2% in <100M tier
200
Loan Growth Rate
growth
Value:
12.52%
Peer Median: -
#200 of 2556
Top 7.8% in <100M tier
246
AMR Growth Rate
growth
Value:
10.37%
Peer Median: -
#246 of 2556
Top 9.6% in <100M tier
Top Weaknesses (9 metrics)
2437
Members Per Employee (MPE)
engagement
Value:
76.000
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2422
Total Members
engagement
Value:
228
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2341
Efficiency Ratio
profitability
Value:
104.42%
Peer Median: -
#2341 of 2556
Bottom 8.5% in <100M tier
2337
Total Assets
balance_sheet
Value:
$1.75M
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2304
Total Deposits
balance_sheet
Value:
$1.57M
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2277
Total Loans
balance_sheet
Value:
$946,649
Peer Median: -
#2277 of 2556
Bottom 11.0% in <100M tier
2261
Return on Assets (ROA)
profitability
Value:
-0.25%
Peer Median: -
#2261 of 2556
Bottom 11.6% in <100M tier
2078
Member Growth Rate
growth
Value:
-4.60%
Peer Median: -
#2078 of 2556
Bottom 18.7% in <100M tier
2031
Net Worth Ratio
risk
Value:
10.54%
Peer Median: -
#2031 of 2556
Bottom 20.6% in <100M tier