BlastPoint's Credit Union Scorecard
BILLINGS
Charter #887 · MT
BILLINGS has 4 strengths but faces 5 concerns
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 3.5% in tier
- + Fee Income Per Member: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 11.69% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 5.8% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Montana.
- Shares and deposits +2.3% year over year ($186M in shares and deposits).
- Membership: 13,202 members, +2.6% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.45%.
- Efficiency ratio 88.43% vs a 76.73% peer average.
- Loan-to-share ratio 97.73% vs a 71.54% 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 |
13,202
+2.6% YoY+1.3% QoQ
|
-2.0K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$216.1M
+0.4% YoY-0.9% QoQ
|
$-15.9M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$181.4M
+2.7% YoY+1.0% QoQ
|
+$35.1M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$185.6M
+2.3% YoY-1.4% QoQ
|
$-15.1M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.5%
+78.3% YoY+46.9% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.5%
+10.5% YoY+3.0% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
88.4%
-1.1% YoY-2.9% QoQ
|
+11.7% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.8%
-39.9% YoY+7.3% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
97.7%
+0.4% YoY+2.4% QoQ
|
+26.2% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Top 3.6% in tier |
| AMR |
$27,794
-0.1% YoY-1.6% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
42.4%
+2.7% YoY+8.8% QoQ
|
+17.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-63.7% YoY-27.1% QoQ
|
-13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)