BlastPoint's Credit Union Scorecard

RED RIVER

Charter #12082 · OK

1077 CUs in 100M-500M nationally 17 in OK

RED RIVER has 7 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 17.9% in tier
+ Relationship Depth Leader: Top 42.2% in tier
+ Profitability Leader: Top 51.3% in tier
+ Emerging Performer: Top 58.4% in tier
+ Wallet Share Momentum: Top 81.5% in tier
+ ROA 0.65% above tier average
+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.5% in tier
- Credit Risk Growth: Bottom 2.0% in tier
- Indirect Auto Dependency: Bottom 6.4% in tier
- Delinquency rate 0.38% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,151 +1.8% YoY+0.0% QoQ	-6.5K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	24%
Assets	$157.1M +7.8% YoY+0.7% QoQ	$-74.2M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	33%
Loans	$121.2M +8.6% YoY+0.1% QoQ	$-26.6M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	48%
Deposits	$138.8M +6.9% YoY+0.2% QoQ	$-61.5M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% YoY	35%

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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	1.4% +15.9% YoY-1.7% QoQ	+0.6%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	Top 14.0% in tier
NIM	3.6% +13.1% YoY+0.8% QoQ	+0.1%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	54%
Efficiency Ratio	65.9% -3.6% YoY+0.4% QoQ	-11.4%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	1.2% +696.5% YoY-4.0% QoQ	+0.4	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	79%
Loan To Share	87.3% +1.5% YoY-0.1% QoQ	+14.6%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	80%
AMR	$28,418 +5.8% YoY+0.2% QoQ	+$4K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	78%
CD Concentration	34.7% +7.9% YoY+0.8% QoQ	+10.3%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	32.0% +0.8% YoY-3.1% QoQ	+18.0%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#328 of 603 • Top 17.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.44%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 31.99%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#109 of 257 • Top 42.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.80%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Profitability Leader

growth

#175 of 340 • Top 51.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.44%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth

#112 of 191 • Top 58.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.44%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#392 of 481 • Top 81.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.80%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#38 of 736 • Bottom 1.5% in tier

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

Why This Signature

Delinquency Change (YoY): 1.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#31 of 446 • Bottom 2.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.57%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#104 of 525 • Bottom 6.4% in tier

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

Why This Signature

Asset Growth (YoY): 7.83%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 31.99%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (8 metrics)

151

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

178

Efficiency Ratio

profitability

Value: 65.86%

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

179

Loan-to-Member Ratio (LMR)

engagement

Value: $13,247

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

221

Loan-to-Share Ratio

balance_sheet

Value: 87.32%

Peer Avg: -

#221 of 1077 Top 20.4% in 100M-500M tier

222

Asset Growth Rate

growth

Value: 7.83%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

222

Loan Growth Rate

growth

Value: 8.57%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

234

Average Member Relationship (AMR)

engagement

Value: $28,418

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

267

Deposit Growth Rate

growth

Value: 6.95%

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (4 metrics)

920

Indirect Auto Concentration (%)

balance_sheet

Value: 31.99%

Peer Avg: -

#920 of 1077 Bottom 14.7% in 100M-500M tier

910

Share Certificate Concentration (%)

balance_sheet

Value: 34.73%

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

849

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier

821

Total Members

engagement

Value: 9,151

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier