BlastPoint's Credit Union Scorecard

FERGUS

Charter #8881 · MT

100M-500M

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

FERGUS has 8 strengths but faces 1 concern

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 Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.26% above tier average
+ Net Interest Margin 0.60% above tier average
+ Net Charge-Off Rate: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Total Members: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	6,485 +1.3% YoY+0.3% QoQ	-8.7K	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Bottom 8.7% in tier
Assets	$118.9M +5.2% YoY-0.9% QoQ	$-112.8M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	Bottom 12.9% in tier
Loans	$87.5M +9.6% YoY+2.6% QoQ	$-56.7M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	28%
Deposits	$102.4M +3.8% YoY-1.6% QoQ	$-98.7M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	Bottom 12.5% in tier

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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	2.0% +15.2% YoY+16.0% QoQ	+1.3%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	Top 3.9% in tier
NIM	4.2% +10.4% YoY+4.7% QoQ	+0.6%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	59.5% -3.7% YoY-4.8% QoQ	-18.5%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	Top 7.9% in tier
Delinquency Rate	0.3% -62.0% YoY-48.2% QoQ	-0.5	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	22%
Loan To Share	85.4% +5.6% YoY+4.2% QoQ	+15.0%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	80%
AMR	$29,290 +5.1% YoY+0.0% QoQ	+$4K	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	79%
CD Concentration	26.1% +1.2% YoY+3.9% QoQ	+1.8%	24.3%	18.1%	19.8%	50%
Indirect Auto %	8.8% -4.1% YoY-2.2% QoQ	-5.0%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#174 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.76%

(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

Emerging Performer

growth

#79 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Relationship Depth Leader

growth

#132 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.06%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Leader

growth

#285 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): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.76%

(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

Wallet Share Momentum

growth

#481 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.06%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 (10 metrics)

Return on Assets (ROA)

profitability

Value: 1.99%

Peer Median: 0.69%

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

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#43 of 1070 Top 3.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.51%

Peer Median: 78.68%

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

177

Loan-to-Member Ratio (LMR)

engagement

Value: $13,492

Peer Median: $9,356

#177 of 1070 Top 16.4% in 100M-500M tier

181

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.62%

#181 of 1070 Top 16.8% in 100M-500M tier

195

Loan Growth Rate

growth

Value: 9.63%

Peer Median: 2.93%

#195 of 1070 Top 18.1% in 100M-500M tier

218

Loan-to-Share Ratio

balance_sheet

Value: 85.41%

Peer Median: 71.88%

#218 of 1070 Top 20.3% in 100M-500M tier

229

Average Member Relationship (AMR)

engagement

Value: $29,290

Peer Median: $22,931

#229 of 1070 Top 21.3% in 100M-500M tier

234

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.61%

#234 of 1070 Top 21.8% in 100M-500M tier

234

First Mortgage Concentration (%)

balance_sheet

Value: 15.44%

Peer Median: 29.47%

#234 of 1070 Top 21.8% in 100M-500M tier

Top Weaknesses (3 metrics)

977

Total Members

engagement

Value: 6,485

Peer Median: 13,200

#977 of 1070 Bottom 8.8% in 100M-500M tier

936

Total Deposits

balance_sheet

Value: $102.45M

Peer Median: $171.29M

#936 of 1070 Bottom 12.6% in 100M-500M tier

932

Total Assets

balance_sheet

Value: $118.94M

Peer Median: $196.57M

#932 of 1070 Bottom 13.0% in 100M-500M tier