BlastPoint's Credit Union Scorecard

RIVERLAND

Charter #24860 · LA

1077 CUs in 100M-500M nationally 22 in LA

RIVERLAND has 7 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

+ Organic Growth Engine: Top 18.6% in tier
+ Organic Growth Leader: Top 24.5% in tier
+ Relationship Depth Leader: Top 89.8% 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
- Credit Risk Growth: Bottom 21.0% in tier
- Credit Quality Pressure: Bottom 21.6% in tier
- Margin Compression: Bottom 21.7% 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	63%
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	74%
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	67%

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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	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	64%
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	42%
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	32%
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	54%
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	84%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

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%)

better than tier avg

Return on Assets: 0.97%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.35%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth

#231 of 257 • Top 89.8% 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): 1.83%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.8K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (5)

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%)

but better than tier avg

Loan Growth (YoY): 6.08%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

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 stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.38%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.97%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Credit Risk Growth

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: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

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)

worse than tier avg

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

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.97%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.17%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 111.44%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,882

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

133

Total Loans

balance_sheet

Value: $259.49M

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

177

Average Member Relationship (AMR)

engagement

Value: $30,134

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

186

First Mortgage Concentration (%)

balance_sheet

Value: 13.29%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

191

Net Worth Ratio

risk

Value: 14.55%

Peer Avg: -

#191 of 1077 Top 17.6% in 100M-500M tier

Top Weaknesses (2 metrics)

897

Asset Growth Rate

growth

Value: -0.38%

Peer Avg: -

#897 of 1077 Bottom 16.8% in 100M-500M tier

859

Deposit Growth Rate

growth

Value: 0.17%

Peer Avg: -

#859 of 1077 Bottom 20.3% in 100M-500M tier