BlastPoint's Credit Union Scorecard

ROCKY MOUNTAIN

Charter #97110 · MT

100M-500M

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

ROCKY MOUNTAIN has 7 strengths but faces 7 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 6.8% YoY
+ Member Growth Rate: Top 6.4% in tier
+ Total Assets: Top 7.5% in tier
+ Total Deposits: Top 8.0% in tier
+ Total Loans: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.63% below tier average
- Efficiency ratio 8.71% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	25,993 +6.8% YoY+5.9% QoQ	+10.8K	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	Top 10.2% in tier
Assets	$424.3M +3.9% YoY+1.1% QoQ	+$192.6M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	Top 7.6% in tier
Loans	$265.6M +5.2% YoY+0.7% QoQ	+$121.4M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	Top 10.1% in tier
Deposits	$364.6M +3.6% YoY+1.5% QoQ	+$163.5M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	Top 8.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -79.8% YoY-86.2% QoQ	-0.6%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	Bottom 11.4% in tier
NIM	3.5% +6.3% YoY+0.2% QoQ	-0.1%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	86.7% +6.8% YoY+12.9% QoQ	+8.7%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	1.1% +6.7% YoY-3.1% QoQ	+0.3	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	79%
Loan To Share	72.8% +1.5% YoY-0.8% QoQ	+2.4%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	52%
AMR	$24,246 -2.4% YoY-4.5% QoQ	$-673	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	57%
CD Concentration	28.4% +2.1% YoY-2.1% QoQ	+4.1%	24.3%	18.1%	19.8%	50%
Indirect Auto %	11.0% +12.0% YoY+0.9% QoQ	-2.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#45 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): 6.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 11.02%

(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

Organic Growth Engine

growth

#268 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.10%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 11.02%

(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

Concerns (4)

Shrinking Wallet Share

decline

#134 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.42%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#547 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#362 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.15%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#502 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.73%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 6.83%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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 (5 metrics)

Member Growth Rate

growth

Value: 6.83%

Peer Median: -0.06%

#70 of 1070 Top 6.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $424.26M

Peer Median: $196.57M

#81 of 1070 Top 7.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $364.64M

Peer Median: $171.29M

#87 of 1070 Top 8.0% in 100M-500M tier

108

Total Loans

balance_sheet

Value: $265.58M

Peer Median: $121.41M

#108 of 1070 Top 10.0% in 100M-500M tier

109

Total Members

engagement

Value: 25,993

Peer Median: 13,200

#109 of 1070 Top 10.1% in 100M-500M tier

Top Weaknesses (6 metrics)

959

Net Worth Ratio

risk

Value: 8.72%

Peer Median: 11.45%

#959 of 1070 Bottom 10.5% in 100M-500M tier

958

AMR Growth Rate

growth

Value: -2.42%

Peer Median: 3.46%

#958 of 1070 Bottom 10.6% in 100M-500M tier

948

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: 0.69%

#948 of 1070 Bottom 11.5% in 100M-500M tier

849

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.61%

#849 of 1070 Bottom 20.7% in 100M-500M tier

824

Efficiency Ratio

profitability

Value: 86.73%

Peer Median: 78.68%

#824 of 1070 Bottom 23.1% in 100M-500M tier

809

Members Per Employee (MPE)

engagement

Value: 262.556

Peer Median: 309.176

#809 of 1070 Bottom 24.5% in 100M-500M tier