BlastPoint's Credit Union Scorecard

RED RIVER

Charter #12082 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

RED RIVER has 5 strengths but faces 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.82% above tier average
+ Net Interest Margin 0.12% above tier average
+ Loan-to-Share Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 0.39% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	9,049 -0.7% YoY-0.3% QoQ	-6.1K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	25%
Assets	$164.0M +6.9% YoY+4.6% QoQ	$-67.7M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	37%
Loans	$128.8M +8.7% YoY+6.4% QoQ	$-15.3M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	54%
Deposits	$139.8M +2.2% YoY+1.3% QoQ	$-61.4M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	36%

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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% +5.1% YoY+5.8% QoQ	+0.8%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Top 10.4% in tier
NIM	3.8% +4.2% YoY+2.1% QoQ	+0.1%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	64.8% -0.7% YoY-2.0% QoQ	-13.3%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Top 14.8% in tier
Delinquency Rate	1.2% +776.0% YoY-16.8% QoQ	+0.4	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	82%
Loan To Share	92.2% +6.3% YoY+5.0% QoQ	+21.8%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Top 8.0% in tier
AMR	$29,683 +6.0% YoY+4.0% QoQ	+$5K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	80%
CD Concentration	33.8% -0.9% YoY+0.3% QoQ	+9.5%	24.3%	22.8%	19.8%	50%
Indirect Auto %	27.6% -14.2% YoY-8.3% QoQ	+13.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#107 of 257 • Top 50.0% 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): 5.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#383 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#27 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.03% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#36 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.72%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 1.03% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#136 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.88%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 27.64%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk

#109 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.17%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.72%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Stagnation Risk

risk

#504 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.72%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.16%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#547 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 92.17%

Peer Median: 71.88%

#86 of 1070 Top 7.9% in 100M-500M tier

111

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.69%

#111 of 1070 Top 10.3% in 100M-500M tier

146

Loan-to-Member Ratio (LMR)

engagement

Value: $14,237

Peer Median: $9,356

#146 of 1070 Top 13.6% in 100M-500M tier

159

Efficiency Ratio

profitability

Value: 64.77%

Peer Median: 78.68%

#159 of 1070 Top 14.8% in 100M-500M tier

214

Average Member Relationship (AMR)

engagement

Value: $29,683

Peer Median: $22,931

#214 of 1070 Top 19.9% in 100M-500M tier

227

Loan Growth Rate

growth

Value: 8.72%

Peer Median: 2.93%

#227 of 1070 Top 21.1% in 100M-500M tier

260

Fee Income Per Member

profitability

Value: $202.12

Peer Median: $154.95

#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

881

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.61%

#881 of 1070 Bottom 17.8% in 100M-500M tier

878

Indirect Auto Concentration (%)

balance_sheet

Value: 27.64%

Peer Median: 6.61%

#878 of 1070 Bottom 18.0% in 100M-500M tier

878

Share Certificate Concentration (%)

balance_sheet

Value: 33.78%

Peer Median: 23.10%

#878 of 1070 Bottom 18.0% in 100M-500M tier

804

Total Members

engagement

Value: 9,049

Peer Median: 13,200

#804 of 1070 Bottom 25.0% in 100M-500M tier