BlastPoint's Credit Union Scorecard

THREE RIVERS

Charter #159 · IN

Mid-Market 1B-3B

3Rivers at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

3Rivers is one of 101 credit unions in the 2026 VentureTech card set. We also found 3Rivers's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

3Rivers

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3RIVERS
PEER · AT VENTURETECH
PEER · AT VENTURETECH
3RIVERS'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 10 in IN

View Mid-Market leaderboard →

THREE RIVERS has 5 strengths but faces 3 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

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#34 of 113 • Top 48.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.18%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.96%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 3.69%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank worsening

Organic Growth Leader

growth

#83 of 112 • Top 48.7% in tier

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

Why This Signature

Member Growth (YoY): 2.18%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 3.69%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#36 of 215 • Bottom 9.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#58 of 69 • Bottom 84.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.28%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (10 metrics)

Total Assets

balance_sheet

Value: $2.93B

Peer Median: $1.51B

#3 of 300 Top 0.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.96%

Peer Median: 0.77%

#5 of 300 Top 1.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $441.64

Peer Median: $204.73

#6 of 300 Top 1.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.69%

Peer Median: 73.62%

#29 of 300 Top 9.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.88%

Peer Median: 10.91%

#42 of 300 Top 13.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.08B

Peer Median: $1.30B

#47 of 300 Top 15.3% in 1B-3B tier

Total Members

engagement

Value: 139,191

Peer Median: 86,516

#47 of 300 Top 15.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.80B

Peer Median: $1.14B

#49 of 300 Top 16.0% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.69%

Peer Median: 14.26%

#71 of 300 Top 23.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.02%

Peer Median: 5.21%

#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (5 metrics)

263

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Median: 0.70%

#263 of 300 Bottom 12.7% in 1B-3B tier

262

Loan Growth Rate

growth

Value: -0.99%

Peer Median: 5.71%

#262 of 300 Bottom 13.0% in 1B-3B tier

253

Members Per Employee (MPE)

engagement

Value: 280.062

Peer Median: 346.173

#253 of 300 Bottom 16.0% in 1B-3B tier

252

AMR Growth Rate

growth

Value: -1.28%

Peer Median: 3.19%

#252 of 300 Bottom 16.3% in 1B-3B tier

231

First Mortgage Concentration (%)

balance_sheet

Value: 43.27%

Peer Median: 33.59%

#231 of 300 Bottom 23.3% in 1B-3B tier