BlastPoint's Credit Union Scorecard

BILLINGS

Charter #887 · MT

100M-500M

1070 CUs in 100M-500M nationally 13 in MT

BILLINGS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 3.8% in tier
+ Fee Income Per Member: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.42% below tier average
- Efficiency ratio 13.01% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 9.0% in tier
- Asset Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	13,027 +2.0% YoY+0.3% QoQ	-2.1K	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	49%
Assets	$218.0M -1.9% YoY+0.2% QoQ	$-13.7M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	56%
Loans	$179.6M +3.4% YoY+1.3% QoQ	+$35.5M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	71%
Deposits	$188.2M +0.3% YoY+1.9% QoQ	$-13.0M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +10.7% YoY+8.9% QoQ	-0.4%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	24%
NIM	3.4% +7.8% YoY+2.2% QoQ	-0.2%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	91.0% +1.7% YoY+3.2% QoQ	+13.0%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	Bottom 12.9% in tier
Delinquency Rate	0.7% +30.7% YoY+4.3% QoQ	-0.1	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	59%
Loan To Share	95.5% +3.1% YoY-0.5% QoQ	+25.0%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	Top 3.9% in tier
AMR	$28,235 -0.2% YoY+1.3% QoQ	+$3K	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	75%
CD Concentration	39.0% -4.3% YoY+0.3% QoQ	+14.7%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.1% -54.8% YoY-25.3% QoQ	-13.7%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#229 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.06%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#307 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.31%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.06%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#29 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.04%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.99%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#80 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.47%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.36%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#380 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#327 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.36%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.47%

Peer Median: 71.88%

#42 of 1070 Top 3.8% in 100M-500M tier

Fee Income Per Member

profitability

Value: $267.33

Peer Median: $154.95

#85 of 1070 Top 7.9% in 100M-500M tier

161

Loan-to-Member Ratio (LMR)

engagement

Value: $13,790

Peer Median: $9,356

#161 of 1070 Top 15.0% in 100M-500M tier

Top Weaknesses (7 metrics)

975

Share Certificate Concentration (%)

balance_sheet

Value: 38.97%

Peer Median: 23.10%

#975 of 1070 Bottom 9.0% in 100M-500M tier

973

Asset Growth Rate

growth

Value: -1.87%

Peer Median: 3.91%

#973 of 1070 Bottom 9.2% in 100M-500M tier

933

Efficiency Ratio

profitability

Value: 91.04%

Peer Median: 78.68%

#933 of 1070 Bottom 12.9% in 100M-500M tier

899

First Mortgage Concentration (%)

balance_sheet

Value: 48.44%

Peer Median: 29.47%

#899 of 1070 Bottom 16.1% in 100M-500M tier

857

AMR Growth Rate

growth

Value: -0.23%

Peer Median: 3.46%

#857 of 1070 Bottom 20.0% in 100M-500M tier

841

Deposit Growth Rate

growth

Value: 0.27%

Peer Median: 3.30%

#841 of 1070 Bottom 21.5% in 100M-500M tier

819

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.69%

#819 of 1070 Bottom 23.6% in 100M-500M tier