BlastPoint's Credit Union Scorecard
COMMUNITY 1ST
Charter #8588 · MT
COMMUNITY 1ST has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.91% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,895
+0.4% YoY-0.4% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$41.6M
+6.4% YoY+1.0% QoQ
|
+$11.5M |
$30.1M
+2.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$33.1M
+2.1% YoY-2.8% QoQ
|
+$17.3M |
$15.8M
-1.3% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$36.1M
+5.6% YoY+0.0% QoQ
|
+$10.4M |
$25.7M
+1.4% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
72% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-40.8% YoY-2.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.9%
-0.6% YoY+0.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
83.5%
+10.8% YoY-0.6% QoQ
|
+0.9% |
82.6%
-2.3% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.1%
-56.9% YoY-44.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
91.6%
-3.2% YoY-2.8% QoQ
|
+31.0% |
60.6%
-3.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$17,760
+3.5% YoY-0.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
14.6%
-21.8% YoY+1.9% QoQ
|
-9.8% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.1% | 7.8% | 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)