BlastPoint's Credit Union Scorecard
COMMUNITY 1ST
Charter #8588 · MT
COMMUNITY 1ST has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.99% above tier average
- + Loan-to-Share Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Delinquency rate 0.05% 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 +4.4% year over year ($37.6M in shares and deposits).
- Membership: 3,924 members, +0.2% vs a year ago.
- Delinquency rate 1.60%.
- Return on assets 0.78%.
- Efficiency ratio 84.80% vs a 88.77% peer average.
- Loan-to-share ratio 91.36% 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 |
3,924
+0.2% YoY0% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$43.2M
+5.4% YoY-2.1% QoQ
|
+$12.9M |
$30.3M
+1.5% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$34.4M
+2.2% YoY+4.1% QoQ
|
+$18.9M |
$15.5M
-1.7% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
Top 13.7% in tier |
| Deposits |
$37.6M
+4.4% YoY-2.9% QoQ
|
+$11.8M |
$25.8M
+1.1% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.8%
+244.5% YoY-27.9% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.9%
+4.9% YoY-2.6% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
84.8%
-6.9% YoY+4.2% QoQ
|
-4.0% |
88.8%
-6.9% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
1.6%
-37.6% YoY+49.2% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
91.4%
-2.1% YoY+7.2% QoQ
|
+32.5% |
58.9%
-3.1% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Top 7.8% in tier |
| AMR |
$18,352
+3.2% YoY+0.3% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
20.1%
+16.8% YoY+14.4% QoQ
|
-4.5% | 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)