BlastPoint's Credit Union Scorecard
R.I.A.
Charter #17117 · IL
R.I.A. has 7 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
- + Net Interest Margin 0.20% above tier average
- + Strong member growth: 16.5% YoY
- + Total Assets: Top 0.6% in tier
- + Total Deposits: Top 0.6% in tier
- + Member Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.5% in tier
- - Efficiency Drag: Bottom 35.0% in tier
- - Shrinking Wallet Share: Bottom 94.7% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 5.07% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 5.5% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Illinois.
- Shares and deposits +16.7% year over year ($692M in shares and deposits).
- Membership: 46,841 members, +16.5% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.38%.
- Efficiency ratio 81.63% vs a 76.56% peer average.
- Loan-to-share ratio 74.11% vs a 79.33% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,841
+16.5% YoY+17.5% QoQ
|
+8.9K |
37,897
-5.0% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$749.1M
+17.8% YoY+11.1% QoQ
|
+$126.7M |
$622.4M
+0.6% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Top 1.2% in tier |
| Loans |
$512.9M
+6.2% YoY+6.3% QoQ
|
+$84.4M |
$428.5M
-0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$692.1M
+16.7% YoY+10.2% QoQ
|
+$152.3M |
$539.8M
+0.9% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Top 1.2% in tier |
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| ROA |
0.4%
+77.3% YoY-5.6% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.7%
-1.5% YoY+0.2% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
81.6%
+1.6% YoY-2.0% QoQ
|
+5.1% |
76.6%
-3.6% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-1.4% YoY+15.8% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
74.1%
-9.0% YoY-3.6% QoQ
|
-5.2% |
79.3%
-1.4% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$25,725
-3.8% YoY-7.6% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
28.5%
-3.1% YoY-7.4% QoQ
|
+3.9% | 24.6% | 14.0% | 20.0% | 66% |
| Indirect Auto % |
26.8%
+1.3% YoY-5.4% QoQ
|
+13.2% | 13.6% | 6.8% | 7.7% | 81% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)