BlastPoint's Credit Union Scorecard

RIVERFRONT

Charter #5856 · PA

1069 CUs in 100M-500M nationally 61 in PA

RIVERFRONT faces 8 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 48.4% in tier
- Credit Quality Pressure: Bottom 82.4% in tier
- Credit Risk Growth: Bottom 82.4% in tier
- Deposit Outflow: Bottom 85.3% in tier
- Indirect Auto Dependency: Bottom 98.8% in tier
- ROA 0.38% below tier average
- Efficiency ratio 4.69% above tier (higher cost structure)
- Net Worth Ratio: Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	23,310 -0.1% YoY+0.3% QoQ	+7.9K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	84%
Assets	$318.4M -0.0% YoY+1.3% QoQ	+$86.6M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	76%
Loans	$233.5M +4.5% YoY+0.5% QoQ	+$86.2M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	83%
Deposits	$291.2M -0.8% YoY+1.3% QoQ	+$90.4M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	80%

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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	0.4% +142.8% YoY+2.3% QoQ	-0.4%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	24%
NIM	3.2% +12.5% YoY+0.9% QoQ	-0.4%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	81.7% -5.1% YoY-0.8% QoQ	+4.7%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.5% +13.7% YoY+24.7% QoQ	-0.4	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	32%
Loan To Share	80.2% +5.4% YoY-0.8% QoQ	+7.9%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	64%
AMR	$22,512 +1.6% YoY+0.6% QoQ	$-2K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	49%
CD Concentration	27.4% -9.1% YoY-3.3% QoQ	+3.0%	24.4%	15.5%	19.8%	50%
Indirect Auto %	15.6% +2.5% YoY-2.4% QoQ	+1.8%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#261 of 538 • Bottom 48.4% in tier

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

Why This Signature

Efficiency Ratio: 81.71%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#581 of 705 • Bottom 82.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#376 of 456 • Bottom 82.4% in tier

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

Why This Signature

Loan Growth (YoY): 4.51%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Deposit Outflow

decline

#59 of 69 • Bottom 85.3% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.81%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Indirect Auto Dependency

risk

#500 of 506 • Bottom 98.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.01%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.61%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (5 metrics)

168

Total Members

engagement

Value: 23,310

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

183

Total Loans

balance_sheet

Value: $233.51M

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

201

Members Per Employee (MPE)

engagement

Value: 401.897

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

217

Total Deposits

balance_sheet

Value: $291.24M

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

257

Total Assets

balance_sheet

Value: $318.42M

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1010

Net Worth Ratio

risk

Value: 8.28%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

923

Deposit Growth Rate

growth

Value: -0.81%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

911

Asset Growth Rate

growth

Value: -0.01%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

815

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier