BlastPoint's Credit Union Scorecard
RIVERSIDE COMMUNITY
Charter #3775 · IN
RIVERSIDE COMMUNITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.28% above tier average
- + Net Interest Margin 0.16% above tier average
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Total Loans: Top 5.9% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - Indirect Auto Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,886
-2.1% YoY+0.3% QoQ
|
+3.2K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$58.3M
+0.6% YoY+3.3% QoQ
|
+$28.1M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$47.6M
+8.0% YoY+1.7% QoQ
|
+$32.3M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 5.9% in tier |
| Deposits |
$49.7M
-0.4% YoY+3.4% QoQ
|
+$23.9M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
1.4%
-20.2% YoY+21.6% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
4.2%
-12.4% YoY-2.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
72.9%
+8.2% YoY-4.5% QoQ
|
-17.7% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.7%
+397.7% YoY+433.7% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
95.8%
+8.4% YoY-1.6% QoQ
|
+37.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 4.6% in tier |
| AMR |
$16,525
+5.8% YoY+2.3% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
29.5%
-2.2% YoY-4.4% QoQ
|
+5.2% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % |
12.6%
+6.1% YoY+9.7% QoQ
|
-1.2% | 13.8% | 10.4% | 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)