BlastPoint's Credit Union Scorecard
R.I.A.
Charter #17117 · IL
R.I.A. has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 70.4% in tier
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.8% in tier
- - Stagnation Risk: Bottom 30.6% in tier
- - Membership Headwinds: Bottom 33.0% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 1.59% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,206
-0.6% YoY-0.0% QoQ
|
+453 |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$641.6M
+5.6% YoY+0.9% QoQ
|
+$19.2M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$490.9M
+6.0% YoY+1.6% QoQ
|
+$55.0M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$597.1M
+5.4% YoY+0.7% QoQ
|
+$59.0M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+24.1% YoY+43.9% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.8%
-0.5% YoY+1.6% QoQ
|
+0.4% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
79.7%
+10.7% YoY-0.8% QoQ
|
+1.6% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.8%
-4.0% YoY+8.5% QoQ
|
-0.0 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
82.2%
+0.5% YoY+0.9% QoQ
|
+1.2% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$27,060
+6.3% YoY+1.1% QoQ
|
+$579 |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
29.7%
+12.8% YoY+1.2% QoQ
|
+5.3% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % |
27.7%
+3.1% YoY+4.5% QoQ
|
+13.7% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)