BlastPoint's Credit Union Scorecard
RIVERBANK
Charter #3757 · CT
RIVERBANK has 5 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 3.9% in tier
- + Total Assets: Top 5.2% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 2.29% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,272
+1.8% YoY+0.2% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$86.5M
+1.6% YoY-0.2% QoQ
|
+$56.3M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 5.2% in tier |
| Loans |
$38.2M
+12.4% YoY+3.7% QoQ
|
+$22.4M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Top 11.9% in tier |
| Deposits |
$77.6M
+1.3% YoY-0.4% QoQ
|
+$51.9M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 4.0% in tier |
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| ROA |
0.4%
+19.9% YoY+21.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.0%
+9.7% YoY+3.6% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
84.9%
-2.5% YoY-1.7% QoQ
|
+2.3% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.5%
+522.8% YoY+374.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
49.2%
+11.0% YoY+4.1% QoQ
|
-11.5% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$27,100
+2.8% YoY+0.8% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.0% in tier |
| CD Concentration |
19.4%
+10.7% YoY-2.5% QoQ
|
-5.0% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)