BlastPoint's Credit Union Scorecard
RIVERBANK
Charter #3757 · CT
RIVERBANK has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 3.8% in tier
- + Total Assets: Top 4.8% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - First Mortgage Concentration (%): Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -3.2% year over year ($77.7M in shares and deposits).
- Membership: 4,286 members, +0.5% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.64%.
- Efficiency ratio 83.99% vs a 88.77% peer average.
- Loan-to-share ratio 52.42% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,286
+0.5% YoY+0.4% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$87.3M
-2.0% YoY-0.7% QoQ
|
+$57.1M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Top 4.8% in tier |
| Loans |
$40.7M
+14.5% YoY+5.6% QoQ
|
+$25.3M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Top 9.5% in tier |
| Deposits |
$77.7M
-3.2% YoY-1.6% QoQ
|
+$51.9M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Top 3.9% in tier |
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| ROA |
0.6%
+89.5% YoY+25.4% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.3%
+16.8% YoY+2.7% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
84.0%
-4.0% YoY-2.2% QoQ
|
-4.8% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.6%
-0.2% YoY
|
-1.0 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
52.4%
+18.3% YoY+7.3% QoQ
|
-6.5% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$27,622
+1.8% YoY+0.3% QoQ
|
+$13K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 5.9% in tier |
| CD Concentration |
20.3%
+9.7% YoY+2.7% QoQ
|
-4.3% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)