BlastPoint's Credit Union Scorecard
RIVERBANK
Charter #3757 · CT
RIVERBANK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.5% in tier
- + Total Assets: Top 5.0% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 4.93% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,265
+1.4% YoY-0.0% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$86.6M
+2.6% YoY-2.9% QoQ
|
+$56.7M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Top 5.0% in tier |
| Loans |
$36.8M
+7.3% YoY+3.5% QoQ
|
+$21.0M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Top 13.0% in tier |
| Deposits |
$77.9M
+2.5% YoY-2.9% QoQ
|
+$52.4M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Top 3.6% in tier |
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| ROA |
0.4%
+12.5% YoY+7.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
2.9%
+9.1% YoY+2.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
86.3%
-3.3% YoY-1.3% QoQ
|
+4.9% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
-88.6% YoY-82.4% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
47.2%
+4.6% YoY+6.6% QoQ
|
-14.0% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$26,890
+2.5% YoY-0.9% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Top 6.3% in tier |
| CD Concentration |
19.9%
+14.6% YoY+7.6% QoQ
|
-4.5% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)