BlastPoint's Credit Union Scorecard
RIVERSIDE COMMUNITY
Charter #3775 · IN
RIVERSIDE COMMUNITY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.23% above tier average
- + Loan-to-Share Ratio: Top 6.2% in tier
- + Total Loans: Top 7.0% in tier
- + Total Members: Top 9.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,885
+0.1% YoY-2.7% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 9.7% in tier |
| Assets |
$56.3M
+2.7% YoY-1.8% QoQ
|
+$26.4M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$46.2M
+5.9% YoY+0.4% QoQ
|
+$30.4M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 7.0% in tier |
| Deposits |
$48.0M
+1.7% YoY-2.0% QoQ
|
+$22.6M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
1.0%
-0.2% YoY-40.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
4.2%
+8.6% YoY-14.3% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
77.5%
-1.6% YoY+14.8% QoQ
|
-3.9% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.1%
-64.1% YoY-19.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
96.1%
+4.2% YoY+2.5% QoQ
|
+34.9% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 6.4% in tier |
| AMR |
$16,004
+3.6% YoY+1.9% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
29.8%
+6.2% YoY+3.0% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.2%
-74.4% YoY-73.2% QoQ
|
-10.8% |
14.0%
-5.7% YoY
|
11.0%
-3.5% 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)