BlastPoint's Credit Union Scorecard
RIVERSIDE COMMUNITY
Charter #3775 · IN
RIVERSIDE COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Net Interest Margin 0.31% above tier average
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Total Loans: Top 6.9% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,870
-1.8% YoY-0.3% QoQ
|
+3.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$56.4M
+0.5% YoY+0.2% QoQ
|
+$26.3M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$46.8M
+7.3% YoY+1.4% QoQ
|
+$31.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.9% in tier |
| Deposits |
$48.0M
-0.7% YoY+0.1% QoQ
|
+$22.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.2%
-6.9% YoY+12.6% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.3%
+6.3% YoY+2.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
76.3%
+1.3% YoY-1.5% QoQ
|
-6.2% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.1%
-24.4% YoY+88.1% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
97.4%
+8.1% YoY+1.3% QoQ
|
+36.8% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 5.4% in tier |
| AMR |
$16,155
+5.0% YoY+0.9% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
30.8%
+2.5% YoY+3.5% QoQ
|
+6.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
11.5%
-2.5% YoY+261.8% QoQ
|
-2.3% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)