BlastPoint's Credit Union Scorecard
RIVERWAYS
Charter #12890 · MO
RIVERWAYS has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.5% in tier
- + Emerging Performer: Top 2.2% in tier
- + Organic Growth Leader: Top 8.0% in tier
- + ROA 0.88% above tier average
- + Net Interest Margin 0.61% above tier average
- + Strong member growth: 8.8% YoY
- + Asset Growth Rate: Top 3.5% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 8.2% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.2% in tier
- - First Mortgage Concentration (%): Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,689
+8.8% YoY+4.8% QoQ
|
-4.7K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$120.5M
+15.3% YoY+5.1% QoQ
|
$-111.3M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.7% in tier |
| Loans |
$102.4M
+16.5% YoY+4.1% QoQ
|
$-44.9M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$104.9M
+11.5% YoY+3.1% QoQ
|
$-95.9M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+36.9% YoY+1.0% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Top 7.2% in tier |
| NIM |
4.2%
+9.8% YoY-2.1% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
72.5%
-4.8% YoY-1.0% QoQ
|
-4.6% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.3%
-75.1% YoY+28.2% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
97.6%
+4.5% YoY+1.0% QoQ
|
+25.4% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 4.2% in tier |
| AMR |
$19,399
+4.7% YoY-1.1% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
35.0%
+2.0% YoY+3.3% QoQ
|
+10.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
1.2%
-15.2% YoY-4.4% QoQ
|
-12.6% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)