BlastPoint's Credit Union Scorecard

THREE RIVERS

Charter #159 · IN

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 11 in IN

View Mid-Market leaderboard →

THREE RIVERS has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 44.7% in tier
+ Organic Growth Leader: Top 44.7% in tier
+ ROA 1.11% above tier average
+ Net Interest Margin 0.32% above tier average
+ Fee Income Per Member: Top 2.0% in tier
+ Total Assets: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.5% in tier
- Delinquency rate 0.45% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	138,447 +2.6% YoY+0.4% QoQ	+42.4K	96,048 -2.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	84%
Assets	$2.8B +8.8% YoY+2.3% QoQ	+$1.1B	$1.7B +0.4% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	Top 3.3% in tier
Loans	$1.8B +0.2% YoY-1.0% QoQ	+$578.5M	$1.2B +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 13.7% in tier
Deposits	$2.1B +4.0% YoY+3.0% QoQ	+$622.2M	$1.5B +0.5% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	84%

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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	1.8% +31.1% YoY+11.2% QoQ	+1.1%	0.7% +27.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	Top 1.6% in tier
NIM	3.7% +6.7% YoY+4.3% QoQ	+0.3%	3.4% +6.2% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	63.8% -0.7% YoY+1.9% QoQ	-10.9%	74.6% -3.0% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	Top 11.8% in tier
Delinquency Rate	1.2% +24.5% YoY-12.8% QoQ	+0.4	0.8% +6.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	Bottom 13.1% in tier
Loan To Share	85.8% -3.7% YoY-4.0% QoQ	+2.7%	83.2% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	51%
AMR	$28,025 -0.4% YoY+0.7% QoQ	$-2K	$29,652 +2.3% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	49%
CD Concentration	25.4% -9.8% YoY-7.8% QoQ	-3.5%	28.8%	18.9%	19.8%	36%
Indirect Auto %	3.7% +16.8% YoY+4.7% QoQ	-14.4%	18.1%	10.4%	7.7%	22%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#29 of 115 • Top 44.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.61%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 3.66%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#74 of 116 • Top 44.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.61%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 3.66%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (1)

Credit Quality Pressure

risk

#59 of 225 • Bottom 15.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 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 306 peers in tier

Top Strengths (10 metrics)

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Median: 0.66%

#5 of 306 Top 1.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $420.09

Peer Median: $191.54

#7 of 306 Top 2.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.81B

Peer Median: $1.51B

#10 of 306 Top 2.9% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.75%

Peer Median: 75.16%

#37 of 306 Top 11.8% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.60%

Peer Median: 10.85%

#42 of 306 Top 13.4% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.79B

Peer Median: $1.11B

#42 of 306 Top 13.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.09B

Peer Median: $1.31B

#48 of 306 Top 15.4% in 1B-3B tier

Total Members

engagement

Value: 138,447

Peer Median: 85,918

#50 of 306 Top 16.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.79%

Peer Median: 4.82%

#64 of 306 Top 20.6% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.66%

Peer Median: 13.86%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (5 metrics)

267

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: 0.63%

#267 of 306 Bottom 13.1% in 1B-3B tier

265

Members Per Employee (MPE)

engagement

Value: 275.791

Peer Median: 345.077

#265 of 306 Bottom 13.7% in 1B-3B tier

244

Loan Growth Rate

growth

Value: 0.17%

Peer Median: 5.67%

#244 of 306 Bottom 20.6% in 1B-3B tier

238

AMR Growth Rate

growth

Value: -0.39%

Peer Median: 3.15%

#238 of 306 Bottom 22.5% in 1B-3B tier

234

First Mortgage Concentration (%)

balance_sheet

Value: 42.97%

Peer Median: 33.05%

#234 of 306 Bottom 23.9% in 1B-3B tier