BlastPoint's Credit Union Scorecard
R.I.A.
Charter #17117 · IL
R.I.A. has 1 strength but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 32.4% in tier
- - Indirect Auto Dependency: Bottom 43.0% in tier
- - Stagnation Risk: Bottom 58.8% in tier
- - Membership Headwinds: Bottom 58.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 4.89% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,879
-0.7% YoY-0.4% QoQ
|
+1.8K |
38,079
-4.8% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$674.1M
+4.9% YoY+2.2% QoQ
|
+$54.4M |
$619.7M
-0.2% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$482.6M
+3.0% YoY-1.3% QoQ
|
+$63.3M |
$419.3M
-1.4% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$628.0M
+4.5% YoY+2.4% QoQ
|
+$88.5M |
$539.5M
-0.1% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Top 13.8% in tier |
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| ROA |
0.4%
+282.9% YoY+22.7% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.7%
-0.4% YoY-1.9% QoQ
|
+0.3% |
3.5%
+4.5% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
83.3%
+4.9% YoY+5.9% QoQ
|
+4.9% |
78.4%
-3.7% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.6%
-8.2% YoY-17.8% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
76.9%
-1.4% YoY-3.6% QoQ
|
-0.8% |
77.7%
-1.2% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$27,849
+4.5% YoY+1.1% QoQ
|
+$922 |
$26,927
+3.1% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
30.8%
+9.3% YoY+2.0% QoQ
|
+6.5% | 24.3% | 14.0% | 19.8% | 73% |
| Indirect Auto % |
28.3%
+6.2% YoY+1.6% QoQ
|
+14.5% | 13.8% | 7.2% | 7.7% | 82% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)