BlastPoint's Credit Union Scorecard

RIVERLAND

Charter #24860 · LA

1069 CUs in 100M-500M nationally 21 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 60.3% in tier
+ Relationship Depth Leader: Top 81.7% in tier
+ Organic Growth Leader: Top 95.3% in tier
+ ROA 0.33% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.8% in tier
+ Loan-to-Member Ratio (LMR): Top 8.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.2% in tier
- Credit Quality Pressure: Bottom 27.8% in tier
- Credit Risk Growth: Bottom 33.8% in tier
- Margin Compression: Bottom 57.4% in tier
- Delinquency rate 0.01% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	16,399 +0.6% YoY+0.4% QoQ	+961	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	64%
Assets	$310.9M -0.2% YoY+2.4% QoQ	+$79.0M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	75%
Loans	$261.2M +4.8% YoY+0.7% QoQ	+$113.9M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	Top 11.7% in tier
Deposits	$240.8M +1.6% YoY+3.4% QoQ	+$40.0M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	69%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% -12.6% YoY+12.1% QoQ	+0.3%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	74%
NIM	3.5% +1.4% YoY+0.1% QoQ	-0.1%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	41%
Efficiency Ratio	69.8% +1.8% YoY-3.9% QoQ	-7.3%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	0.9% +66.6% YoY+24.5% QoQ	+0.0	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	63%
Loan To Share	108.5% +3.2% YoY-2.6% QoQ	+36.3%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 0.9% in tier
AMR	$30,612 +2.6% YoY+1.6% QoQ	+$6K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	84%
CD Concentration	26.4% -1.6% YoY-1.3% QoQ	+2.0%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#359 of 595 • Top 60.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.62%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.09%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#219 of 268 • Top 81.7% 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: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $1.9K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Organic Growth Leader

growth

#406 of 426 • Top 95.3% in tier

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

Why This Signature

Member Growth (YoY): 0.62%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#31 of 228 • Bottom 13.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 108.49%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.79%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#197 of 705 • Bottom 27.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#155 of 456 • Bottom 33.8% in tier

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

Why This Signature

Loan Growth (YoY): 4.79%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Margin Compression

decline

#71 of 123 • Bottom 57.4% 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: 1.09%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.25%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 108.49%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,929

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

125

Total Loans

balance_sheet

Value: $261.22M

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

176

Average Member Relationship (AMR)

engagement

Value: $30,612

Peer Median: -

#176 of 1069 Top 16.4% in 100M-500M tier

187

Net Worth Ratio

risk

Value: 14.52%

Peer Median: -

#187 of 1069 Top 17.4% in 100M-500M tier

190

First Mortgage Concentration (%)

balance_sheet

Value: 13.80%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

Top Weaknesses (1 metrics)

920

Asset Growth Rate

growth

Value: -0.22%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier