BlastPoint's Credit Union Scorecard
BLACKSTONE RIVER
Charter #24523 · RI
BLACKSTONE RIVER has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Member decline: -2.0% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 6 that size in Rhode Island.
- Shares and deposits +3.8% year over year ($66.3M in shares and deposits).
- Membership: 4,273 members, -2.0% vs a year ago.
- Delinquency rate 1.12%.
- Return on assets 1.04%.
- Efficiency ratio 74.89% vs a 88.77% peer average.
- Loan-to-share ratio 46.53% vs a 58.89% 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 (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,273
-2.0% YoY-0.4% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$75.1M
+4.3% YoY-0.4% QoQ
|
+$44.8M |
$30.3M
+1.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 10.1% in tier |
| Loans |
$30.8M
+10.0% YoY+5.3% QoQ
|
+$15.4M |
$15.5M
-1.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$66.3M
+3.8% YoY-0.8% QoQ
|
+$40.5M |
$25.8M
+1.1% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Top 8.7% in tier |
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| ROA |
1.0%
-12.6% YoY+25.9% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.7%
+0.1% YoY+2.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
74.9%
+9.5% YoY-3.6% QoQ
|
-13.9% |
88.8%
-6.9% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.1%
-0.5% YoY+27.1% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
46.5%
+6.0% YoY+6.2% QoQ
|
-12.4% |
58.9%
-3.1% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$22,722
+7.9% YoY+1.5% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
Top 13.7% in tier |
| CD Concentration |
20.9%
+25.9% YoY+3.7% QoQ
|
-3.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-19.4% YoY-12.5% QoQ
|
-13.3% | 13.6% | 10.6% | 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)