BlastPoint's Credit Union Scorecard
RIVER TOWN
Charter #24257 · AR
RIVER TOWN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 16.85% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Asset Growth Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 1.7% in tier
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
- - Member Growth Rate: Bottom 5.9% in tier
- - AMR Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,392
-9.6% YoY0% QoQ
|
-223 |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$14.0M
-16.9% YoY-0.6% QoQ
|
$-16.1M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$9.1M
-14.8% YoY-5.4% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$11.6M
-19.3% YoY-0.3% QoQ
|
$-14.1M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.1%
-53.6% YoY-64.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
4.7%
+25.7% YoY+1.7% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
99.4%
+4.6% YoY+1.8% QoQ
|
+16.8% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
0.0%
-95.2% YoY
|
-1.5 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.1% in tier |
| Loan To Share |
78.7%
+5.5% YoY-5.0% QoQ
|
+18.1% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$8,676
-8.7% YoY-2.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
7.6%
+18.8% YoY+7.4% QoQ
|
-16.8% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
19.0%
-24.9% YoY-7.6% QoQ
|
+5.2% | 13.8% | 2.5% | 7.8% | 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)