BlastPoint's Credit Union Scorecard

BILLINGS

Charter #887 · MT

1077 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 19.1% in tier
+ Organic Growth Engine: Top 27.2% in tier
+ Loan-to-Share Ratio: Top 4.5% in tier
+ Fee Income Per Member: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.0% in tier
- Liquidity Strain: Bottom 15.8% in tier
- Credit Quality Pressure: Bottom 19.4% in tier
- Credit Risk Growth: Bottom 27.2% in tier
- ROA 0.51% below tier average
- Efficiency ratio 11.32% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average
- Share Certificate Concentration (%): Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	12,931 +2.0% YoY+0.5% QoQ	-2.7K	15,628 -3.4% YoY	10,775 +3.4% YoY	33,089 +6.1% YoY	46%
Assets	$213.9M +1.7% YoY-0.6% QoQ	$-17.4M	$231.3M -0.0% YoY	$192.0M +6.5% YoY	$547.7M +7.8% YoY	55%
Loans	$177.8M +1.2% YoY+0.7% QoQ	+$30.0M	$147.8M -1.4% YoY	$128.7M +5.8% YoY	$388.7M +8.6% YoY	69%
Deposits	$181.1M +3.3% YoY-0.1% QoQ	$-19.2M	$200.3M -0.0% YoY	$165.1M +6.8% YoY	$464.6M +9.3% YoY	53%

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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% +452.9% YoY+7.4% QoQ	-0.5%	0.8% +15.5% YoY	0.8% -56.8% YoY	0.7% +273.4% YoY	17%
NIM	3.3% +4.2% YoY+3.8% QoQ	-0.3%	3.6% +6.9% YoY	3.7% +3.8% YoY	3.7% +5.0% YoY	32%
Efficiency Ratio	88.6% -2.7% YoY-0.9% QoQ	+11.3%	77.3% -3.0% YoY	75.4% +3.6% YoY	79.1% -3.3% YoY	Top 12.6% in tier
Delinquency Rate	1.1% +10.4% YoY-12.6% QoQ	+0.3	0.9% +7.6% YoY	1.0% -7.2% YoY	1.2% -0.9% YoY	75%
Loan To Share	98.2% -2.0% YoY+0.8% QoQ	+25.5%	72.7% -1.5% YoY	68.8% -2.3% YoY	68.0% -1.7% YoY	Top 4.5% in tier
AMR	$27,760 +0.2% YoY-0.2% QoQ	+$3K	$24,363 +2.9% YoY	$21,496 +3.0% YoY	$19,418 +1.3% YoY	76%
CD Concentration	39.2% -2.0% YoY-5.1% QoQ	+14.7%	24.4% +4.2% YoY	17.7% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.1% -94.6% YoY-21.5% QoQ	-13.9%	14.0% -5.7% YoY	6.1% -1.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#253 of 430 • Top 19.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.09%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#500 of 603 • Top 27.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.27%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.09%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#177 of 521 • Bottom 10.0% in tier

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

Why This Signature

Efficiency Ratio: 88.60%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#123 of 258 • Bottom 15.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.18%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.24%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#481 of 736 • Bottom 19.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#408 of 446 • Bottom 27.2% in tier

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

Why This Signature

Loan Growth (YoY): 1.24%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | 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 1077 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.18%

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $286.55

Peer Avg: -

#74 of 1077 Top 6.8% in 100M-500M tier

155

Loan-to-Member Ratio (LMR)

engagement

Value: $13,752

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

263

Average Member Relationship (AMR)

engagement

Value: $27,760

Peer Avg: -

#263 of 1077 Top 24.3% in 100M-500M tier

Top Weaknesses (6 metrics)

980

Share Certificate Concentration (%)

balance_sheet

Value: 39.15%

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

942

Efficiency Ratio

profitability

Value: 88.60%

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

903

First Mortgage Concentration (%)

balance_sheet

Value: 47.60%

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

893

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

824

AMR Growth Rate

growth

Value: 0.24%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier

812

Total Delinquency Rate (60+ days)

risk

Value: 1.12%

Peer Avg: -

#812 of 1077 Bottom 24.7% in 100M-500M tier