BlastPoint's Credit Union Scorecard
MOUNTAIN WEST
Charter #8129 ยท MT
2596 CUs in <100M nationally
24 in MT
MOUNTAIN WEST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.91% below tier average
- - Delinquency rate 2.59% above tier average
- - Member decline: -4.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,949
-4.8% YoY-0.0% QoQ
|
+323 |
2,625
-2.2% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$21.8M
-4.1% YoY-4.0% QoQ
|
$-8.1M |
$29.9M
+1.1% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$14.3M
-8.9% YoY-0.2% QoQ
|
$-1.5M |
$15.8M
-2.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$18.1M
-2.5% YoY-4.3% QoQ
|
$-7.4M |
$25.5M
+0.4% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
50% |
| ROA |
-1.2%
-393.4% YoY-31.1% QoQ
|
-1.9% |
0.7%
-731.4% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.9% in tier |
| NIM |
4.3%
+6.3% YoY+2.6% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
79.9%
+3.4% YoY-0.3% QoQ
|
-1.5% |
81.4%
-2.4% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
4.1%
-57.2% YoY-9.5% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.1% in tier |
| Loan To Share |
79.1%
-6.6% YoY+4.3% QoQ
|
+17.8% |
61.2%
-3.0% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$10,988
-0.6% YoY-2.5% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
20.1%
+56.7% YoY-1.8% QoQ
|
-4.4% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
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 (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
616
Loan-to-Share Ratio
balance_sheet
Value:
79.07%
Peer Avg: 61.23%
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (5 metrics)
2470
Return on Assets (ROA)
profitability
Value:
-1.23%
Peer Avg: 0.68%
#2470 of 2596
Bottom 4.9% in <100M tier
2386
Total Delinquency Rate (60+ days)
risk
Value:
4.10%
Peer Avg: 1.51%
#2386 of 2596
Bottom 8.1% in <100M tier
2155
Asset Growth Rate
growth
Value:
-4.14%
Peer Avg: 1.82%
#2155 of 2596
Bottom 17.0% in <100M tier
2135
Member Growth Rate
growth
Value:
-4.84%
Peer Avg: 14.92%
#2135 of 2596
Bottom 17.8% in <100M tier
1966
Loan Growth Rate
growth
Value:
-8.94%
Peer Avg: 59.01%
#1966 of 2596
Bottom 24.3% in <100M tier