BlastPoint's Credit Union Scorecard
THREE RIVERS
Charter #159 · IN
THREE RIVERS has 7 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 48.7% in tier
- + Organic Growth Leader: Top 48.7% in tier
- + ROA 1.14% above tier average
- + Net Interest Margin 0.34% above tier average
- + Total Assets: Top 0.7% in tier
- + Fee Income Per Member: Top 1.7% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.7% in tier
- - Shrinking Wallet Share: Bottom 84.7% in tier
- - Delinquency rate 0.61% above 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits +2.5% year over year ($2.08B in shares and deposits).
- Membership: 139,191 members, +2.2% vs a year ago.
- Delinquency rate 1.47%.
- Return on assets 1.96%.
- Efficiency ratio 59.69% vs a 73.02% peer average.
- Loan-to-share ratio 86.37% vs a 84.71% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139,191
+2.2% YoY+0.5% QoQ
|
+42.3K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$2.9B
+8.0% YoY+4.4% QoQ
|
+$1.2B |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 1.0% in tier |
| Loans |
$1.8B
-1.0% YoY+0.2% QoQ
|
+$562.2M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$2.1B
+2.5% YoY-0.4% QoQ
|
+$616.6M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
2.0%
+24.6% YoY+7.1% QoQ
|
+1.1% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 1.7% in tier |
| NIM |
3.8%
+9.9% YoY+2.4% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
59.7%
-4.8% YoY-6.4% QoQ
|
-13.3% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
1.5%
+35.3% YoY+22.0% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
86.4%
-3.4% YoY+0.6% QoQ
|
+1.7% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$27,849
-1.3% YoY-0.6% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
24.8%
-14.6% YoY-2.1% QoQ
|
-4.3% | 29.1% | 19.4% | 20.0% | 31% |
| Indirect Auto % |
3.7%
+10.5% YoY+0.8% QoQ
|
-14.4% | 18.1% | 11.1% | 7.7% | 22% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)