BlastPoint's Credit Union Scorecard
EAST RIVER
Charter #11353 · SD
EAST RIVER faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 11.61% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Loan Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,159
-3.7% YoY-0.6% QoQ
|
+543 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$40.0M
+1.7% YoY+3.1% QoQ
|
+$9.9M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$17.1M
-22.4% YoY-7.5% QoQ
|
+$1.3M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$35.6M
-0.8% YoY+2.8% QoQ
|
+$9.9M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
0.3%
-42.8% YoY-588.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.9%
+12.4% YoY-0.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
94.2%
+4.1% YoY-7.8% QoQ
|
+11.6% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.0%
+63.9% YoY+12.8% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
48.1%
-21.7% YoY-10.0% QoQ
|
-12.6% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$16,682
-5.5% YoY-0.2% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
12.1%
+50.8% YoY+19.0% QoQ
|
-12.3% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)