BlastPoint's Credit Union Scorecard

RIVERWAYS

Charter #12890 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

RIVERWAYS has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.56% above tier average
+ Strong member growth: 9.0% YoY
+ Asset Growth Rate: Top 1.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 3.9% in tier
- Net Worth Ratio: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	10,772 +9.0% YoY+0.8% QoQ	-4.4K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	36%
Assets	$129.1M +18.0% YoY+7.1% QoQ	$-102.6M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	19%
Loans	$107.9M +17.5% YoY+5.4% QoQ	$-36.2M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	41%
Deposits	$114.1M +15.4% YoY+8.7% QoQ	$-87.1M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	20%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% -14.9% YoY-30.9% QoQ	+0.4%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	77%
NIM	4.2% -2.2% YoY-0.6% QoQ	+0.6%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	77.2% +1.2% YoY+6.6% QoQ	-0.8%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	44%
Delinquency Rate	0.2% -76.4% YoY-38.5% QoQ	-0.6	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	Top 10.4% in tier
Loan To Share	94.6% +1.8% YoY-3.0% QoQ	+24.2%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	Top 4.5% in tier
AMR	$20,609 +6.9% YoY+6.2% QoQ	$-4K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	35%
CD Concentration	34.2% +8.3% YoY-2.2% QoQ	+9.9%	24.3%	18.1%	19.8%	50%
Indirect Auto %	1.2% -11.1% YoY-0.3% QoQ	-12.6%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#36 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.96%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.23%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#36 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.96%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.13%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.23%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#28 of 157 • Top 50.0% 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: 1.13%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 8.96%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#293 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): 6.85%

(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 (2)

Liquidity Strain

risk

#31 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: 94.63%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 17.49%

(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 | Rank improving

Margin Compression

decline

#93 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.33%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 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 (11 metrics)

Asset Growth Rate

growth

Value: 18.01%

Peer Median: 3.91%

#21 of 1070 Top 1.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 15.44%

Peer Median: 3.30%

#35 of 1070 Top 3.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.63%

Peer Median: 71.88%

#48 of 1070 Top 4.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.49%

Peer Median: 2.93%

#51 of 1070 Top 4.7% in 100M-500M tier

Member Growth Rate

growth

Value: 8.96%

Peer Median: -0.06%

#54 of 1070 Top 5.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $263.43

Peer Median: $154.95

#92 of 1070 Top 8.5% in 100M-500M tier

112

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: 0.61%

#112 of 1070 Top 10.4% in 100M-500M tier

194

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: 3.62%

#194 of 1070 Top 18.0% in 100M-500M tier

200

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.35%

#200 of 1070 Top 18.6% in 100M-500M tier

226

AMR Growth Rate

growth

Value: 6.85%

Peer Median: 3.46%

#226 of 1070 Top 21.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1029

First Mortgage Concentration (%)

balance_sheet

Value: 65.48%

Peer Median: 29.47%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

986

Net Worth Ratio

risk

Value: 8.52%

Peer Median: 11.45%

#986 of 1070 Bottom 7.9% in 100M-500M tier

893

Share Certificate Concentration (%)

balance_sheet

Value: 34.20%

Peer Median: 23.10%

#893 of 1070 Bottom 16.6% in 100M-500M tier

866

Total Assets

balance_sheet

Value: $129.13M

Peer Median: $196.57M

#866 of 1070 Bottom 19.2% in 100M-500M tier

855

Total Deposits

balance_sheet

Value: $114.06M

Peer Median: $171.29M

#855 of 1070 Bottom 20.2% in 100M-500M tier