BlastPoint's Credit Union Scorecard
FERGUS
Charter #8881 · MT
FERGUS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.12% above tier average
- + Net Interest Margin 0.63% above tier average
- + Net Charge-Off Rate: Top 0.9% in tier
- + Efficiency Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Total Members: Bottom 9.3% 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 +1.4% year over year ($100M in shares and deposits).
- Membership: 6,526 members, +1.4% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 1.98%.
- Efficiency ratio 59.39% vs a 76.73% peer average.
- Loan-to-share ratio 92.80% 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 |
6,526
+1.4% YoY+0.6% QoQ
|
-8.6K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
Bottom 9.2% in tier |
| Assets |
$117.5M
+3.3% YoY-1.2% QoQ
|
$-114.5M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.3% in tier |
| Loans |
$93.1M
+10.4% YoY+6.4% QoQ
|
$-53.1M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$100.4M
+1.4% YoY-2.0% QoQ
|
$-100.3M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.7% in tier |
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| ROA |
2.0%
+29.7% YoY-0.4% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
Top 3.4% in tier |
| NIM |
4.3%
+9.6% YoY+2.0% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
59.4%
-3.9% YoY-0.2% QoQ
|
-17.3% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.6%
-36.1% YoY+91.2% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
92.8%
+8.8% YoY+8.7% QoQ
|
+21.3% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
Top 10.1% in tier |
| AMR |
$29,651
+4.1% YoY+1.2% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
26.7%
+1.8% YoY+2.4% QoQ
|
+2.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
8.5%
+0.9% YoY-2.6% QoQ
|
-5.1% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)