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BlastPoint's Credit Union Scorecard

RIVERWAYS

Charter #12890 · MO

100M-500M
1024 CUs in 100M-500M nationally 22 in MO

RIVERWAYS has 8 strengths but faces 6 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 Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.53% above tier average
  • + Strong member growth: 7.6% YoY
  • + Asset Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Liquidity Strain: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Delinquency rate 0.26% above tier average
  • - First Mortgage Concentration (%): Bottom 4.1% in tier
  • - Net Worth Ratio: Bottom 5.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
  • Shares and deposits +16.7% year over year ($117M in shares and deposits).
  • Membership: 11,004 members, +7.6% vs a year ago.
  • Delinquency rate 1.14%.
  • Return on assets 1.32%.
  • Efficiency ratio 73.45% vs a 76.73% peer average.
  • Loan-to-share ratio 98.47% vs a 71.54% 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 (MO) National Avg Tier Percentile
Members 11,004
+7.6% YoY+2.2% QoQ
 -4.2K 15,168
-2.6% YoY
 15,766
-0.3% YoY
 34,678
+6.6% YoY
 38%
Assets $136.7M
+22.5% YoY+5.9% QoQ
 $-95.3M $232.0M
+0.7% YoY
 $225.8M
+8.3% YoY
 $593.1M
+10.2% YoY
 23%
Loans $115.3M
+21.5% YoY+6.8% QoQ
 $-31.0M $146.3M
+0.2% YoY
 $157.5M
+9.5% YoY
 $418.6M
+10.1% YoY
 45%
Deposits $117.1M
+16.7% YoY+2.6% QoQ
 $-83.6M $200.7M
+0.2% YoY
 $197.6M
+8.9% YoY
 $504.8M
+10.3% YoY
 22%

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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 1.3%
-4.1% YoY+16.4% QoQ
 +0.5% 0.9%
+12.5% YoY
 1.4%
+222.5% YoY
 1.2%
+121.4% YoY
 82%
NIM 4.2%
-3.2% YoY+0.6% QoQ
 +0.5% 3.7%
+4.5% YoY
 3.8%
+0.7% YoY
 3.8%
+2.3% YoY
 81%
Efficiency Ratio 73.5%
-2.6% YoY-4.9% QoQ
 -3.3% 76.7%
-0.8% YoY
 83.2%
+2.3% YoY
 83.0%
-5.3% YoY
 36%
Delinquency Rate 1.1%
+62.5% YoY+607.1% QoQ
 +0.3 0.9%
+6.6% YoY
 1.1%
-8.7% YoY
 1.3%
+2.6% YoY
 74%
Loan To Share 98.5%
+4.1% YoY+4.1% QoQ
 +26.9% 71.5%
-0.3% YoY
 69.6%
-2.9% YoY
 66.4%
-1.4% YoY
 Top 3.1% in tier
AMR $21,113
+10.6% YoY+2.4% QoQ
 $-4K $25,107
+3.2% YoY
 $17,444
+4.9% YoY
 $20,028
-0.9% YoY
 38%
CD Concentration 33.1%
+4.7% YoY-3.2% QoQ
 +8.6% 24.6% 18.3% 20.0% 50%
Indirect Auto % 1.2%
-8.2% YoY-2.0% QoQ
 -12.4% 13.6% 9.9% 7.7% 50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#29 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.64%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 1.32%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Indirect Auto %: 1.21%
(Tier: 13.63%, National: 7.71%)
better than tier avg
344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally
↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth
#36 of 342 • 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): 7.64%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 1.21%
(Tier: 13.63%, National: 7.71%)
better than tier avg
342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally
↓ Shrinking -91 CUs YoY | Rank improving

Emerging Performer

growth
#19 of 175 • 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: 1.32%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 7.64%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Wallet Share Momentum

growth
#111 of 483 • 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): 10.58%
(Tier: 3.97%, National: 35.20%)
better than tier avg
483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally
↑ Growing +52 CUs YoY | Rank improving

Concerns (3)

Credit Risk Growth

risk
#17 of 472 • 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): 21.50%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.44% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | Rank improving

Liquidity Strain

risk
#12 of 224 • 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: 98.47%
(Tier: 73.56%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 21.50%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally
↓ Shrinking -11 CUs YoY | Rank improving

Credit Quality Pressure

risk
#168 of 693 • 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): 0.44% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 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)

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

14
Asset Growth Rate
growth
Value: 22.52%
Peer Median: 4.12%
#14 of 1024 Top 1.3% in 100M-500M tier
25
Deposit Growth Rate
growth
Value: 16.68%
Peer Median: 3.58%
#25 of 1024 Top 2.3% in 100M-500M tier
28
Loan Growth Rate
growth
Value: 21.50%
Peer Median: 3.02%
#28 of 1024 Top 2.6% in 100M-500M tier
32
Loan-to-Share Ratio
balance_sheet
Value: 98.47%
Peer Median: 73.07%
#32 of 1024 Top 3.0% in 100M-500M tier
52
Member Growth Rate
growth
Value: 7.64%
Peer Median: -0.03%
#52 of 1024 Top 5.0% in 100M-500M tier
89
Fee Income Per Member
profitability
Value: $265.28
Peer Median: $159.88
#89 of 1024 Top 8.6% in 100M-500M tier
89
AMR Growth Rate
growth
Value: 10.58%
Peer Median: 3.53%
#89 of 1024 Top 8.6% in 100M-500M tier
189
Return on Assets (ROA)
profitability
Value: 1.32%
Peer Median: 0.75%
#189 of 1024 Top 18.4% in 100M-500M tier
189
Net Charge-Off Rate
risk
Value: 0.12%
Peer Median: 0.34%
#189 of 1024 Top 18.4% in 100M-500M tier
194
Net Interest Margin (NIM)
profitability
Value: 4.22%
Peer Median: 3.67%
#194 of 1024 Top 18.8% in 100M-500M tier

Top Weaknesses (5 metrics)

983
First Mortgage Concentration (%)
balance_sheet
Value: 65.54%
Peer Median: 29.92%
#983 of 1024 Bottom 4.1% in 100M-500M tier
969
Net Worth Ratio
risk
Value: 8.42%
Peer Median: 11.71%
#969 of 1024 Bottom 5.5% in 100M-500M tier
816
Share Certificate Concentration (%)
balance_sheet
Value: 33.12%
Peer Median: 23.39%
#816 of 1024 Bottom 20.4% in 100M-500M tier
800
Total Deposits
balance_sheet
Value: $117.06M
Peer Median: $170.77M
#800 of 1024 Bottom 22.0% in 100M-500M tier
784
Total Assets
balance_sheet
Value: $136.73M
Peer Median: $196.38M
#784 of 1024 Bottom 23.5% in 100M-500M tier
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