BlastPoint's Credit Union Scorecard
RIVERFORK
Charter #13067 · ND
RIVERFORK faces 1 concern requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +2.9% year over year ($26.7M in shares and deposits).
- Membership: 2,127 members, -1.9% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.48%.
- Efficiency ratio 71.86% vs a 88.77% peer average.
- Loan-to-share ratio 45.64% vs a 58.89% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,127
-1.9% YoY-0.1% QoQ
|
-458 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$31.2M
+3.3% YoY+0.7% QoQ
|
+$937K |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$12.2M
-11.9% YoY-2.6% QoQ
|
$-3.3M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$26.7M
+2.9% YoY+0.9% QoQ
|
+$863K |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.5%
+27.7% YoY+26.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.1%
-0.0% YoY+5.7% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
71.9%
+8.3% YoY+4.1% QoQ
|
-16.9% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.7%
-63.6% YoY-45.3% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
45.6%
-14.4% YoY-3.5% QoQ
|
-13.2% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$18,259
-0.3% YoY-0.1% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
21.3%
+3.3% YoY-1.2% QoQ
|
-3.3% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)