BlastPoint's Credit Union Scorecard
RIVERLAND
Charter #24860 · LA
RIVERLAND has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.17% below tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +5.6% year over year ($248M in shares and deposits).
- Membership: 16,377 members, +0.3% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.70%.
- Efficiency ratio 70.39% vs a 76.73% peer average.
- Loan-to-share ratio 102.96% vs a 71.54% 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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,377
+0.3% YoY-0.0% QoQ
|
+1.2K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$319.7M
+4.3% YoY-2.0% QoQ
|
+$87.7M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$255.4M
-0.0% YoY-0.2% QoQ
|
+$109.2M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Top 12.1% in tier |
| Deposits |
$248.1M
+5.6% YoY-2.8% QoQ
|
+$47.4M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.7%
-22.4% YoY+15.6% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.4%
+1.9% YoY+3.2% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
70.4%
-3.0% YoY+1.6% QoQ
|
-6.3% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.6%
-37.1% YoY-18.3% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
103.0%
-5.3% YoY+2.6% QoQ
|
+31.4% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 1.8% in tier |
| AMR |
$30,745
+2.4% YoY-1.5% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
25.5%
-7.5% YoY+3.4% QoQ
|
+0.9% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)