BlastPoint's Credit Union Scorecard
ROCKY MOUNTAIN
Charter #97110 · MT
ROCKY MOUNTAIN has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 8.0% in tier
- + Total Deposits: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Delinquency rate 0.23% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,538
+0.4% YoY+0.3% QoQ
|
+9.1K |
15,437
-2.9% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
Top 13.5% in tier |
| Assets |
$419.5M
+4.4% YoY+1.8% QoQ
|
+$187.6M |
$231.9M
+1.3% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
Top 8.0% in tier |
| Loans |
$263.8M
+2.8% YoY+1.9% QoQ
|
+$116.4M |
$147.3M
-0.1% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
Top 11.0% in tier |
| Deposits |
$359.3M
+3.7% YoY+2.1% QoQ
|
+$158.5M |
$200.8M
+0.8% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
Top 9.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+19.2% YoY-13.8% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.5%
+7.5% YoY+1.3% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
76.8%
-4.5% YoY-0.7% QoQ
|
-0.2% |
77.0%
-3.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.1%
+7.1% YoY+8.4% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
73.4%
-0.9% YoY-0.2% QoQ
|
+1.2% |
72.2%
-1.1% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$25,391
+2.9% YoY+1.7% QoQ
|
+$715 |
$24,676
+3.4% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
29.0%
+4.4% YoY+0.0% QoQ
|
+4.6% | 24.4% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
10.9%
+3.3% YoY+18.9% QoQ
|
-2.9% | 13.8% | 6.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)