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?
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 76.2% in tier
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.1% in tier
- - Stagnation Risk: Bottom 95.1% in tier
- - Membership Headwinds: Bottom 98.7% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 1.13% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,037
-0.5% YoY-0.4% QoQ
|
+1.5K |
38,575
-4.8% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$659.3M
+6.6% YoY+2.8% QoQ
|
+$37.6M |
$621.7M
+0.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$488.9M
+5.2% YoY-0.4% QoQ
|
+$59.1M |
$429.8M
-1.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$613.5M
+6.1% YoY+2.8% QoQ
|
+$74.8M |
$538.7M
+0.6% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.3%
+36.9% YoY+6.4% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.8%
-2.8% YoY-1.3% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
78.6%
+6.6% YoY-1.3% QoQ
|
+1.1% |
77.5%
-4.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.7%
-19.9% YoY-4.5% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
79.7%
-0.9% YoY-3.1% QoQ
|
-0.1% |
79.8%
-2.3% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$27,535
+6.3% YoY+1.8% QoQ
|
+$686 |
$26,849
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
30.2%
+12.6% YoY+1.4% QoQ
|
+5.7% | 24.4% | 14.1% | 19.8% | 72% |
| Indirect Auto % |
27.9%
+2.3% YoY+0.9% QoQ
|
+14.1% | 13.8% | 7.1% | 7.8% | 81% |
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 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)