BlastPoint's Credit Union Scorecard
MOUNTAIN WEST
Charter #8129 · MT
MOUNTAIN WEST has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 0.72% above tier average
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 +6.7% year over year ($20.2M in shares and deposits).
- Membership: 3,000 members, +1.7% vs a year ago.
- Delinquency rate 2.27%.
- Return on assets 1.32%.
- Efficiency ratio 74.77% vs a 88.77% peer average.
- Loan-to-share ratio 67.70% 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 |
3,000
+1.7% YoY+0.3% QoQ
|
+414 |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$24.2M
+6.6% YoY+0.6% QoQ
|
$-6.1M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$13.7M
-4.7% YoY-3.2% QoQ
|
$-1.8M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$20.2M
+6.7% YoY+0.1% QoQ
|
$-5.6M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
1.3%
-173.9% YoY+69.1% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
4.2%
-0.5% YoY+3.8% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
74.8%
-6.7% YoY-11.5% QoQ
|
-14.0% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
2.3%
-49.8% YoY+4.0% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
67.7%
-10.7% YoY-3.2% QoQ
|
+8.8% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$11,283
+0.1% YoY-1.6% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
25.3%
+23.9% YoY+0.6% QoQ
|
+0.8% | 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)