BlastPoint's Credit Union Scorecard
RIVER TOWN
Charter #24257 · AR
RIVER TOWN has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.68% below tier average
- - Efficiency ratio 37.07% above tier (higher cost structure)
- - Member decline: -10.0% YoY
- - Asset Growth Rate: Bottom 3.1% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,380
-10.0% YoY-0.5% QoQ
|
-296 |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$13.8M
-11.8% YoY-1.6% QoQ
|
$-16.4M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$8.8M
-15.5% YoY-3.8% QoQ
|
$-6.5M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$11.4M
-13.0% YoY-1.5% QoQ
|
$-14.3M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
-1.5%
-447.5% YoY-1944.2% QoQ
|
-1.7% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.1% in tier |
| NIM |
4.5%
+13.6% YoY-5.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
127.7%
+34.7% YoY+28.5% QoQ
|
+37.1% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
0.1%
-59.2% YoY
|
-1.4 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
76.8%
-2.8% YoY-2.4% QoQ
|
+18.3% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$8,500
-4.5% YoY-2.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
8.2%
+14.1% YoY+7.6% QoQ
|
-16.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
18.1%
-25.3% YoY-4.8% QoQ
|
+4.3% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)