RIVERLAND
Charter #24860 | LA
100M-500M
(1077 CUs)
Micro
($0-$500M)
22 100M-500M in LA
RIVERLAND has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.6% in tier
- + Organic Growth Leader: Top 24.5% in tier
- + Wallet Share Momentum: Top 31.6% in tier
- + Relationship Depth Leader: Top 35.0% in tier
- + ROA 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.8% in tier
- - Flatlined Growth: Bottom 12.6% in tier
- - Growth-at-Risk: Bottom 21.0% in tier
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Margin Compression: Bottom 21.7% in tier
- - Liquidity Overhang: Bottom 28.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,339
+1.3% YoY+0.0% QoQ
|
+710 |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
63rd in tier |
| Assets |
$303.7M
-0.4% YoY-0.9% QoQ
|
+$72.4M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$259.5M
+6.1% YoY+1.6% QoQ
|
+$111.7M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 12.3% in tier |
| Deposits |
$232.9M
+0.2% YoY-0.9% QoQ
|
+$32.6M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
67th in tier |
| ROA |
1.0%
-16.6% YoY+8.3% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.5%
+0.2% YoY+3.9% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
72.6%
+1.4% YoY+0.1% QoQ
|
-4.7% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
32nd in tier |
| Delinquency Rate |
0.7%
+11.6% YoY-17.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
111.4%
+5.9% YoY+2.5% QoQ
|
+38.7% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$30,134
+1.8% YoY+0.4% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Top 16.4% in tier |
| CD Concentration |
26.8%
+2.6% YoY-2.8% QoQ
|
+2.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#341 of 603 • Top 18.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.35%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#323 of 430 • Top 24.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.35%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#871 of 1006 • Top 31.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.83%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#966 of 1006 • Top 35.0% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.83%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (6)
Liquidity Strain
risk
#23 of 258 • Bottom 2.8% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
111.44%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
6.08%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
Flatlined Growth
risk
#14 of 58 • Bottom 12.6% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$303.68M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
-0.38%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#315 of 446 • Bottom 21.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
6.08%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.08% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#535 of 736 • Bottom 21.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.08% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Margin Compression
decline
#92 of 136 • Bottom 21.7% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.19% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$303.68M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#446 of 552 • Bottom 28.8% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
14.55%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
111.44%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
8
Loan-to-Share Ratio
balance_sheet
Value:
111.44%
Peer Avg: 72.70%
#8 of 1077
Top 0.6% in 100M-500M tier
91
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,882
Peer Avg: $10,245
#91 of 1077
Top 8.4% in 100M-500M tier
133
Total Loans
balance_sheet
Value:
$259.49M
Peer Avg: $147.80M
#133 of 1077
Top 12.3% in 100M-500M tier
177
Average Member Relationship (AMR)
engagement
Value:
$30,134
Peer Avg: $24,363
#177 of 1077
Top 16.3% in 100M-500M tier
186
First Mortgage Concentration (%)
balance_sheet
Value:
13.29%
Peer Avg: 30.43%
#186 of 1077
Top 17.2% in 100M-500M tier
191
Net Worth Ratio
risk
Value:
14.55%
Peer Avg: 12.15%
#191 of 1077
Top 17.6% in 100M-500M tier
Top Weaknesses (2 metrics)
897
Asset Growth Rate
growth
Value:
-0.38%
Peer Avg: 4.70%
#897 of 1077
Bottom 16.8% in 100M-500M tier
859
Deposit Growth Rate
growth
Value:
0.17%
Peer Avg: 4.69%
#859 of 1077
Bottom 20.3% in 100M-500M tier