BlastPoint's Credit Union Scorecard

THREE RIVERS

Charter #159 · IN

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 11 in IN
View Mid-Market leaderboard →

THREE RIVERS has 7 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 9.3% in tier
  • + Organic Growth Leader: Top 54.6% in tier
  • + ROA 0.96% above tier average
  • + Net Interest Margin 0.25% above tier average
  • + Total Assets: Top 4.6% in tier
  • + Fee Income Per Member: Top 5.0% in tier
  • + Efficiency Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 48.6% in tier
  • - Delinquency rate 0.49% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 137,864
+3.1% YoY+0.4% QoQ
 +40.4K 97,431
-2.4% YoY
 22,624
+3.2% YoY
 33,374
+5.7% YoY
 83%
Assets $2.7B
+10.7% YoY+0.9% QoQ
 +$1.0B $1.7B
+0.9% YoY
 $390.3M
+10.1% YoY
 $561.6M
+9.7% YoY
 Top 5.0% in tier
Loans $1.8B
+0.2% YoY-0.7% QoQ
 +$576.7M $1.2B
+0.5% YoY
 $281.2M
+8.6% YoY
 $397.0M
+8.8% YoY
 Top 13.6% in tier
Deposits $2.0B
+5.2% YoY+0.6% QoQ
 +$567.0M $1.5B
+0.9% YoY
 $327.7M
+9.9% YoY
 $477.3M
+9.7% YoY
 83%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
+33.6% YoY-4.3% QoQ
 +1.0% 0.7%
+20.9% YoY
 0.9%
+52.7% YoY
 0.7%
+15.9% YoY
 Top 3.0% in tier
NIM 3.5%
+7.3% YoY+2.2% QoQ
 +0.2% 3.3%
+9.2% YoY
 3.9%
+8.6% YoY
 3.8%
+5.1% YoY
 66%
Efficiency Ratio 62.6%
-4.3% YoY+2.9% QoQ
 -11.5% 74.1%
-9.5% YoY
 78.1%
-3.9% YoY
 79.7%
-3.3% YoY
 Bottom 9.6% in tier
Delinquency Rate 1.4%
+11.1% YoY+15.5% QoQ
 +0.5 0.9%
+6.2% YoY
 1.3%
+9.0% YoY
 1.3%
-2.1% YoY
 Top 14.9% in tier
Loan To Share 89.4%
-4.7% YoY-1.2% QoQ
 +4.6% 84.8%
-0.8% YoY
 69.9%
+0.6% YoY
 67.4%
-1.7% YoY
 55%
AMR $27,835
-0.3% YoY-0.3% QoQ
 $-2K $29,428
+2.4% YoY
 $18,520
+5.2% YoY
 $19,687
+2.0% YoY
 50%
CD Concentration 27.5%
+3.0% YoY-5.3% QoQ
 -1.6% 29.0% 19.3% 19.8% 44%
Indirect Auto % 3.5%
+19.5% YoY+1.6% QoQ
 -14.8% 18.3% 10.7% 7.8% 22%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#24 of 247 • Top 9.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.05%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Return on Assets: 1.64%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 3.50%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth
#78 of 142 • Top 54.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.05%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 3.50%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Concerns (1)

Credit Quality Pressure

risk
#103 of 211 • Bottom 48.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | Rank worsening

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)

Comparing against 302 peers in tier

Top Strengths (10 metrics)

9
Return on Assets (ROA)
profitability
Value: 1.64%
Peer Median: -
#9 of 302 Top 2.6% in 1B-3B tier
15
Total Assets
balance_sheet
Value: $2.74B
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
16
Fee Income Per Member
profitability
Value: $349.86
Peer Median: -
#16 of 302 Top 5.0% in 1B-3B tier
30
Efficiency Ratio
profitability
Value: 62.57%
Peer Median: -
#30 of 302 Top 9.6% in 1B-3B tier
41
Total Loans
balance_sheet
Value: $1.81B
Peer Median: -
#41 of 302 Top 13.2% in 1B-3B tier
42
Asset Growth Rate
growth
Value: 10.65%
Peer Median: -
#42 of 302 Top 13.6% in 1B-3B tier
42
Net Worth Ratio
risk
Value: 13.41%
Peer Median: -
#42 of 302 Top 13.6% in 1B-3B tier
52
Total Deposits
balance_sheet
Value: $2.03B
Peer Median: -
#52 of 302 Top 16.9% in 1B-3B tier
52
Total Members
engagement
Value: 137,864
Peer Median: -
#52 of 302 Top 16.9% in 1B-3B tier
74
Indirect Auto Concentration (%)
balance_sheet
Value: 3.50%
Peer Median: -
#74 of 302 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

271
Members Per Employee (MPE)
engagement
Value: 271.921
Peer Median: -
#271 of 302 Bottom 10.6% in 1B-3B tier
258
Total Delinquency Rate (60+ days)
risk
Value: 1.38%
Peer Median: -
#258 of 302 Bottom 14.9% in 1B-3B tier
234
Loan Growth Rate
growth
Value: 0.24%
Peer Median: -
#234 of 302 Bottom 22.8% in 1B-3B tier
234
AMR Growth Rate
growth
Value: -0.25%
Peer Median: -
#234 of 302 Bottom 22.8% in 1B-3B tier
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