BlastPoint's Credit Union Scorecard

RIVERLAND

Charter #24860 · LA

100M-500M

1070 CUs in 100M-500M nationally 21 in LA

RIVERLAND has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 1.6% in tier
+ Loan-to-Member Ratio (LMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.13% below tier average
- Net Charge-Off Rate: Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	16,380 +0.4% YoY-0.1% QoQ	+1.2K	15,145 -2.5% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	65%
Assets	$326.2M +2.6% YoY+4.9% QoQ	+$94.5M	$231.7M +0.8% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	77%
Loans	$255.9M +2.8% YoY-2.0% QoQ	+$111.8M	$144.1M +0.2% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 11.8% in tier
Deposits	$255.1M +3.1% YoY+6.0% QoQ	+$54.0M	$201.1M +0.4% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -43.1% YoY-44.7% QoQ	-0.1%	0.7% +5.1% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	42%
NIM	3.3% +1.6% YoY-5.0% QoQ	-0.3%	3.6% +4.6% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	69.3% -0.5% YoY-0.7% QoQ	-8.7%	78.0% -1.7% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	0.7% +14.7% YoY-24.8% QoQ	-0.1	0.8% +7.1% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	56%
Loan To Share	100.3% -0.3% YoY-7.5% QoQ	+29.9%	70.4% -0.4% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	Top 1.7% in tier
AMR	$31,200 +2.6% YoY+1.9% QoQ	+$6K	$24,918 +2.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	84%
CD Concentration	24.6% -9.2% YoY-6.7% QoQ	+0.4%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#210 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.59%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.1K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#49 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.32%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.85%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#517 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#407 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.85%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.32%

Peer Median: 71.88%

#18 of 1070 Top 1.6% in 100M-500M tier

101

Loan-to-Member Ratio (LMR)

engagement

Value: $15,625

Peer Median: $9,356

#101 of 1070 Top 9.3% in 100M-500M tier

126

Total Loans

balance_sheet

Value: $255.93M

Peer Median: $121.41M

#126 of 1070 Top 11.7% in 100M-500M tier

169

Average Member Relationship (AMR)

engagement

Value: $31,200

Peer Median: $22,931

#169 of 1070 Top 15.7% in 100M-500M tier

183

Net Worth Ratio

risk

Value: 14.58%

Peer Median: 11.45%

#183 of 1070 Top 17.0% in 100M-500M tier

204

First Mortgage Concentration (%)

balance_sheet

Value: 14.45%

Peer Median: 29.47%

#204 of 1070 Top 19.0% in 100M-500M tier

226

Fee Income Per Member

profitability

Value: $212.06

Peer Median: $154.95

#226 of 1070 Top 21.0% in 100M-500M tier

245

Efficiency Ratio

profitability

Value: 69.30%

Peer Median: 78.68%

#245 of 1070 Top 22.8% in 100M-500M tier

245

Total Assets

balance_sheet

Value: $326.20M

Peer Median: $196.57M

#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (1 metrics)

972

Net Charge-Off Rate

risk

Value: 1.10%

Peer Median: 0.35%

#972 of 1070 Bottom 9.3% in 100M-500M tier