BlastPoint's Credit Union Scorecard

COMMUNITY 1ST

Charter #8588 · MT

<100M

2508 CUs in <100M nationally 24 in MT

COMMUNITY 1ST demonstrates 2 strengths

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.93% above tier average
+ Net Interest Margin 1.01% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	3,924 +0.7% YoY+0.7% QoQ	+1.2K	2,676 +1.6% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	78%
Assets	$44.1M +6.4% YoY+5.8% QoQ	+$13.9M	$30.2M +1.3% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	72%
Loans	$33.0M +4.5% YoY-0.1% QoQ	+$17.7M	$15.3M -2.0% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	Top 14.4% in tier
Deposits	$38.7M +7.4% YoY+7.3% QoQ	+$13.0M	$25.8M +0.7% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +146.6% YoY+81.6% QoQ	+0.9%	0.1% -77.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	72%
NIM	5.0% +11.1% YoY+3.3% QoQ	+1.0%	4.0% +4.0% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	Top 11.5% in tier
Efficiency Ratio	81.4% -6.1% YoY-2.5% QoQ	-9.2%	90.6% +6.5% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	1.1% -59.9% YoY+1.1% QoQ	-0.4	1.5% +3.8% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	66%
Loan To Share	85.3% -2.7% YoY-6.9% QoQ	+26.8%	58.5% -3.0% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Top 12.5% in tier
AMR	$18,289 +5.3% YoY+3.0% QoQ	+$3K	$14,884 -1.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	71%
CD Concentration	17.5% -3.7% YoY+19.8% QoQ	-6.7%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

288

Net Interest Margin (NIM)

profitability

Value: 5.01%

Peer Median: 3.83%

#288 of 2508 Top 11.4% in <100M tier

311

Loan-to-Share Ratio

balance_sheet

Value: 85.26%

Peer Median: 58.72%

#311 of 2508 Top 12.4% in <100M tier

360

Total Loans

balance_sheet

Value: $33.03M

Peer Median: $9.48M

#360 of 2508 Top 14.3% in <100M tier

363

Deposit Growth Rate

growth

Value: 7.39%

Peer Median: 0.66%

#363 of 2508 Top 14.4% in <100M tier

376

Loan-to-Member Ratio (LMR)

engagement

Value: $8,417

Peer Median: $4,923

#376 of 2508 Top 15.0% in <100M tier

449

Asset Growth Rate

growth

Value: 6.35%

Peer Median: 1.30%

#449 of 2508 Top 17.9% in <100M tier

544

Loan Growth Rate

growth

Value: 4.54%

Peer Median: -2.36%

#544 of 2508 Top 21.7% in <100M tier

545

Total Members

engagement

Value: 3,924

Peer Median: 1,918

#545 of 2508 Top 21.7% in <100M tier

616

AMR Growth Rate

growth

Value: 5.28%

Peer Median: 1.27%

#616 of 2508 Top 24.5% in <100M tier

Top Weaknesses (3 metrics)

2070

First Mortgage Concentration (%)

balance_sheet

Value: 34.12%

Peer Median: 3.66%

#2070 of 2508 Bottom 17.5% in <100M tier

2006

Net Charge-Off Rate

risk

Value: 0.69%

Peer Median: 0.07%

#2006 of 2508 Bottom 20.1% in <100M tier

1932

Net Worth Ratio

risk

Value: 10.79%

Peer Median: 14.28%

#1932 of 2508 Bottom 23.0% in <100M tier