BlastPoint's Credit Union Scorecard
EAST RIVER
Charter #11353 · SD
EAST RIVER has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 7.8% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Loan Growth Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +9.1% year over year ($37.1M in shares and deposits).
- Membership: 3,184 members, -0.0% vs a year ago.
- Delinquency rate 1.19%.
- Return on assets 1.16%.
- Efficiency ratio 76.21% vs a 88.77% peer average.
- Loan-to-share ratio 42.61% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,184
-0.0% YoY+1.8% QoQ
|
+598 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$41.9M
+9.7% YoY+0.7% QoQ
|
+$11.6M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$15.8M
-18.2% YoY-0.3% QoQ
|
+$337K |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$37.1M
+9.1% YoY+0.2% QoQ
|
+$11.3M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
1.2%
+3.4% YoY-20.5% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.9%
+1.6% YoY+3.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
76.2%
-8.5% YoY+6.3% QoQ
|
-12.6% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
1.2%
+77.5% YoY-14.4% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
42.6%
-25.0% YoY-0.5% QoQ
|
-16.3% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$16,602
-0.8% YoY-1.7% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
13.0%
+39.5% YoY-4.2% QoQ
|
-11.5% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 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)