BlastPoint's Credit Union Scorecard
RIVER REGION
Charter #13763 · LA
RIVER REGION faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Efficiency ratio 1.82% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Loan-to-Share Ratio: Bottom 8.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +1.2% year over year ($33.7M in shares and deposits).
- Membership: 2,471 members, +0.9% vs a year ago.
- Delinquency rate 2.38%.
- Return on assets 0.47%.
- Efficiency ratio 90.59% vs a 88.77% peer average.
- Loan-to-share ratio 26.90% 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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,471
+0.9% YoY+0.0% QoQ
|
-114 |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$42.0M
+1.7% YoY-1.0% QoQ
|
+$11.7M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$9.1M
-4.8% YoY-0.6% QoQ
|
$-6.4M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$33.7M
+1.2% YoY-1.5% QoQ
|
+$7.9M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.5%
-39.5% YoY
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.3%
-0.9% YoY+1.5% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
90.6%
+20.2% YoY-5.6% QoQ
|
+1.8% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
2.4%
+32.1% YoY+28.9% QoQ
|
+0.8 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
26.9%
-5.9% YoY+0.9% QoQ
|
-32.0% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.6% in tier |
| AMR |
$17,324
-1.0% YoY-1.4% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
24.8%
+5.9% YoY+2.1% QoQ
|
+0.2% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 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)