BlastPoint's Credit Union Scorecard
EAST RIVER
Charter #11353 · SD
EAST RIVER has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 20.70% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Loan Growth Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,178
-4.7% YoY-0.2% QoQ
|
+552 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$38.8M
+0.7% YoY+1.7% QoQ
|
+$9.0M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$18.5M
-20.1% YoY-4.2% QoQ
|
+$2.7M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$34.6M
-0.2% YoY+1.9% QoQ
|
+$9.2M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
70% |
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 |
-0.1%
-110.3% YoY-105.0% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.8% in tier |
| NIM |
3.9%
+12.7% YoY+2.9% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
102.1%
+14.1% YoY+22.5% QoQ
|
+20.7% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
0.9%
+158.1% YoY+32.6% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
53.4%
-19.9% YoY-6.0% QoQ
|
-7.8% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$16,713
-3.6% YoY-0.1% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
10.2%
+40.0% YoY+9.1% QoQ
|
-14.2% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)