BlastPoint's Credit Union Scorecard

RIVERFORK

Charter #13067 · ND

<100M
2508 CUs in <100M nationally 17 in ND

RIVERFORK demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.23% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 2,130
-1.9% YoY-0.7% QoQ
-546 2,676
+1.6% YoY
7,403
+0.4% YoY
33,913
+5.7% YoY
54%
Assets $31.0M
+3.6% YoY-1.7% QoQ
+$817K $30.2M
+1.3% YoY
$208.9M
+6.8% YoY
$578.3M
+9.0% YoY
60%
Loans $12.5M
-12.8% YoY-4.3% QoQ
$-2.8M $15.3M
-2.0% YoY
$139.0M
+4.5% YoY
$402.4M
+8.7% YoY
57%
Deposits $26.4M
+2.8% YoY-1.2% QoQ
+$645K $25.8M
+0.7% YoY
$173.7M
+3.7% YoY
$494.3M
+9.1% YoY
60%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
-164.6% YoY-59.6% QoQ
+0.2% 0.1%
-77.6% YoY
0.9%
+42.2% YoY
0.4%
-39.2% YoY
39%
NIM 2.9%
-9.8% YoY+3.7% QoQ
-1.1% 4.0%
+4.0% YoY
3.4%
+5.6% YoY
3.8%
+4.1% YoY
16%
Efficiency Ratio 69.1%
+9.3% YoY+6.1% QoQ
-21.6% 90.6%
+6.5% YoY
74.3%
-6.4% YoY
84.6%
+2.8% YoY
24%
Delinquency Rate 1.3%
-41.0% YoY-26.5% QoQ
-0.2 1.5%
+3.8% YoY
0.8%
-32.8% YoY
1.2%
+3.4% YoY
70%
Loan To Share 47.3%
-15.1% YoY-3.1% QoQ
-11.2% 58.5%
-3.0% YoY
68.7%
-2.0% YoY
65.6%
-1.4% YoY
32%
AMR $18,273
-0.9% YoY-1.5% QoQ
+$3K $14,884
-1.7% YoY
$32,943
+1.9% YoY
$19,920
+1.6% YoY
70%
CD Concentration 21.5%
+16.4% YoY+4.9% QoQ
-2.7% 24.3% 22.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 1.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
605
Efficiency Ratio
profitability
Value: 69.06%
Peer Median: 81.45%
#605 of 2508 Top 24.1% in <100M tier

Top Weaknesses (3 metrics)

2120
Loan Growth Rate
growth
Value: -12.76%
Peer Median: -2.36%
#2120 of 2508 Bottom 15.5% in <100M tier
2109
Net Charge-Off Rate
risk
Value: 0.89%
Peer Median: 0.07%
#2109 of 2508 Bottom 15.9% in <100M tier
2104
Net Interest Margin (NIM)
profitability
Value: 2.92%
Peer Median: 3.83%
#2104 of 2508 Bottom 16.1% in <100M tier
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