BlastPoint's Credit Union Scorecard
BLACKSTONE RIVER
Charter #24523 · RI
BLACKSTONE RIVER demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Total Deposits: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,297
-1.5% YoY-0.7% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$73.2M
+4.0% YoY+3.4% QoQ
|
+$43.1M |
$30.1M
+2.1% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 10.9% in tier |
| Loans |
$29.5M
+8.9% YoY+2.3% QoQ
|
+$13.8M |
$15.8M
-1.3% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$64.8M
+3.3% YoY+3.8% QoQ
|
+$39.1M |
$25.7M
+1.4% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
Top 9.5% in tier |
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| ROA |
0.9%
-16.8% YoY-25.4% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.5%
+2.5% YoY-5.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
76.8%
+7.4% YoY+8.2% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.9%
+154.9% YoY-31.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
45.6%
+5.4% YoY-1.4% QoQ
|
-15.0% |
60.6%
-3.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$21,944
+6.6% YoY+4.0% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
Top 15.0% in tier |
| CD Concentration |
20.0%
+23.3% YoY+11.0% QoQ
|
-4.4% | 24.4% | 27.7% | 19.8% | 50% |
| Indirect Auto % |
0.5%
-21.0% YoY-10.1% QoQ
|
-13.3% | 13.8% | 10.6% | 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)