BlastPoint's Credit Union Scorecard

RED RIVER

Charter #12082 · OK

1069 CUs in 100M-500M nationally 17 in OK

RED RIVER has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 68.9% in tier
+ ROA 0.70% above tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.8% in tier
- Credit Risk Growth: Bottom 12.1% in tier
- Indirect Auto Dependency: Bottom 49.3% in tier
- Delinquency rate 0.51% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,074 +0.7% YoY-0.8% QoQ	-6.4K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	24%
Assets	$156.7M +4.5% YoY-0.3% QoQ	$-75.1M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	33%
Loans	$121.1M +7.1% YoY-0.1% QoQ	$-26.2M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	48%
Deposits	$138.0M +2.8% YoY-0.6% QoQ	$-62.8M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	34%

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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	1.5% +14.5% YoY+2.0% QoQ	+0.7%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	Top 11.4% in tier
NIM	3.7% +13.0% YoY+0.8% QoQ	+0.1%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	53%
Efficiency Ratio	66.1% -2.2% YoY+0.3% QoQ	-11.0%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	1.4% +542.9% YoY+13.0% QoQ	+0.5	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	84%
Loan To Share	87.8% +4.2% YoY+0.5% QoQ	+15.6%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	80%
AMR	$28,554 +4.0% YoY+0.5% QoQ	+$4K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	77%
CD Concentration	33.7% +3.6% YoY-3.1% QoQ	+9.2%	24.4%	23.0%	19.8%	50%
Indirect Auto %	30.1% -4.0% YoY-5.8% QoQ	+16.3%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#410 of 595 • Top 68.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.72%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.46%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 30.14%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#28 of 705 • Bottom 3.8% in tier

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

Why This Signature

Delinquency Change (YoY): 1.18% 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

#56 of 456 • Bottom 12.1% in tier

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

Why This Signature

Loan Growth (YoY): 7.09%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 1.18% 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

Indirect Auto Dependency

risk

#250 of 506 • Bottom 49.3% in tier

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

Why This Signature

Asset Growth (YoY): 4.47%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 30.14%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.72%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -35 CUs YoY | Rank worsening

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)

122

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

181

Loan-to-Member Ratio (LMR)

engagement

Value: $13,348

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

182

Efficiency Ratio

profitability

Value: 66.06%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

208

Loan-to-Share Ratio

balance_sheet

Value: 87.78%

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

244

Average Member Relationship (AMR)

engagement

Value: $28,554

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

905

Indirect Auto Concentration (%)

balance_sheet

Value: 30.14%

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

898

Total Delinquency Rate (60+ days)

risk

Value: 1.40%

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

872

Share Certificate Concentration (%)

balance_sheet

Value: 33.66%

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

811

Total Members

engagement

Value: 9,074

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier