BlastPoint's Credit Union Scorecard
EAST RIVER
Charter #11353 · SD
EAST RIVER has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,128
+0.1% YoY-1.0% QoQ
|
+451 |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$41.6M
+4.8% YoY+3.9% QoQ
|
+$11.4M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$15.8M
-23.7% YoY-7.4% QoQ
|
+$566K |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$37.0M
+3.6% YoY+3.9% QoQ
|
+$11.2M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
1.5%
+4.4% YoY+437.2% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.8%
-0.5% YoY-4.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
71.7%
-12.1% YoY-23.9% QoQ
|
-18.9% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
1.4%
+76.4% YoY+38.8% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
42.8%
-26.3% YoY-10.9% QoQ
|
-15.7% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$16,892
-6.5% YoY+1.3% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
13.6%
+52.7% YoY+12.3% QoQ
|
-10.7% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 7.7% | 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)