BlastPoint's Credit Union Scorecard

RIVERWAYS

Charter #12890 · MO

1077 CUs in 100M-500M nationally 24 in MO

RIVERWAYS has 11 strengths but faces 2 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 1.6% in tier
+ Organic Growth Leader: Top 8.2% in tier
+ Emerging Performer: Top 9.0% in tier
+ Profitability Leader: Top 31.9% in tier
+ Credit Quality Leader: Top 41.0% in tier
+ Wallet Share Momentum: Top 54.2% in tier
+ ROA 0.84% above tier average
+ Net Interest Margin 0.72% above tier average
+ Loan-to-Share Ratio: Top 5.9% in tier
+ Deposit Growth Rate: Top 7.1% in tier
+ Fee Income Per Member: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.5% in tier
- First Mortgage Concentration (%): Bottom 3.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	10,201 +4.3% YoY-0.2% QoQ	-5.4K	15,628 -3.4% YoY	15,920 +4.0% YoY	33,089 +6.1% YoY	31%
Assets	$114.7M +9.0% YoY+2.8% QoQ	$-116.6M	$231.3M -0.0% YoY	$210.9M +9.4% YoY	$547.7M +7.8% YoY	Bottom 10.5% in tier
Loans	$98.4M +11.8% YoY+3.7% QoQ	$-49.4M	$147.8M -1.4% YoY	$147.8M +9.0% YoY	$388.7M +8.6% YoY	34%
Deposits	$101.8M +12.0% YoY+1.5% QoQ	$-98.5M	$200.3M -0.0% YoY	$183.9M +12.2% YoY	$464.6M +9.3% YoY	Bottom 12.3% in tier

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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	1.6% +47.4% YoY+18.0% QoQ	+0.8%	0.8% +15.5% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	Top 8.9% in tier
NIM	4.3% +11.4% YoY-1.1% QoQ	+0.7%	3.6% +6.9% YoY	3.8% +3.2% YoY	3.7% +5.0% YoY	Top 13.9% in tier
Efficiency Ratio	73.2% -5.9% YoY-3.0% QoQ	-4.1%	77.3% -3.0% YoY	78.5% -6.5% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.2% -77.4% YoY-70.8% QoQ	-0.7	0.9% +7.6% YoY	1.2% +9.9% YoY	1.2% -0.9% YoY	Bottom 11.2% in tier
Loan To Share	96.6% -0.2% YoY+2.2% QoQ	+23.9%	72.7% -1.5% YoY	72.3% -3.7% YoY	68.0% -1.7% YoY	Top 6.0% in tier
AMR	$19,622 +7.2% YoY+2.8% QoQ	$-5K	$24,363 +2.9% YoY	$16,810 +3.4% YoY	$19,418 +1.3% YoY	32%
CD Concentration	33.8% -5.7% YoY+7.0% QoQ	+9.4%	24.4% +4.2% YoY	18.1% +9.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.3% -42.4% YoY-1.7% QoQ	-12.7%	14.0% -5.7% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#31 of 603 • Top 1.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.33%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.63%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 1.29%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Organic Growth Leader

growth

#109 of 430 • Top 8.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.33%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 1.29%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth

#18 of 191 • Top 9.0% 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: 1.63%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 4.33%

(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 improving

Profitability Leader

growth

#109 of 340 • Top 31.9% in tier

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

Why This Signature

Return on Assets: 1.63%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.52% 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

Credit Quality Leader

growth

#140 of 340 • Top 41.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.70% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#261 of 481 • Top 54.2% in tier

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

Why This Signature

AMR Growth (YoY): 7.24%

(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 (1)

Liquidity Strain

risk

#59 of 258 • Bottom 7.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.61%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 11.77%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 (10 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 96.61%

Peer Avg: -

#65 of 1077 Top 5.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.00%

Peer Avg: -

#77 of 1077 Top 7.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $279.72

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.63%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

119

Loan Growth Rate

growth

Value: 11.77%

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

122

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

127

Member Growth Rate

growth

Value: 4.33%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

150

Net Interest Margin (NIM)

profitability

Value: 4.31%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

166

Asset Growth Rate

growth

Value: 9.03%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

204

AMR Growth Rate

growth

Value: 7.24%

Peer Avg: -

#204 of 1077 Top 18.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1041

First Mortgage Concentration (%)

balance_sheet

Value: 66.43%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

964

Total Assets

balance_sheet

Value: $114.68M

Peer Avg: -

#964 of 1077 Bottom 10.6% in 100M-500M tier

955

Net Worth Ratio

risk

Value: 8.89%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

945

Total Deposits

balance_sheet

Value: $101.81M

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

886

Share Certificate Concentration (%)

balance_sheet

Value: 33.83%

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier