BlastPoint's Credit Union Scorecard
THREE RIVERS
Charter #159 · IN
THREE RIVERS has 8 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.6% in tier
- + Profitability Leader: Top 7.5% in tier
- + Organic Growth Leader: Top 19.4% in tier
- + ROA 1.01% above tier average
- + Net Interest Margin 0.18% above tier average
- + Fee Income Per Member: Top 4.9% in tier
- + Total Assets: Top 5.6% in tier
- + Efficiency Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.7% in tier
- - Liquidity Strain: Bottom 34.3% in tier
- - Delinquency rate 0.37% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
137,381
+2.9% YoY+0.8% QoQ
|
+38.7K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$2.7B
+10.2% YoY+0.2% QoQ
|
+$998.0M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 5.9% in tier |
| Loans |
$1.8B
-0.2% YoY+0.5% QoQ
|
+$589.9M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 13.8% in tier |
| Deposits |
$2.0B
+5.4% YoY-0.7% QoQ
|
+$560.0M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
1.7%
+32.4% YoY+9.4% QoQ
|
+1.0% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 2.3% in tier |
| NIM |
3.4%
+5.4% YoY+0.7% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
60.8%
-6.2% YoY-3.0% QoQ
|
-13.2% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
1.2%
+2.8% YoY+10.2% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
90.5%
-5.3% YoY+1.2% QoQ
|
+5.3% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$27,932
-0.3% YoY-1.0% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
29.0%
+14.0% YoY-0.2% QoQ
|
+0.1% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
52% |
| Indirect Auto % |
3.4%
+20.9% YoY+3.1% QoQ
|
-15.3% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
22% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)