BlastPoint's Credit Union Scorecard

RIVERTRUST

Charter #473 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

RIVERTRUST has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Net Worth Ratio: Top 3.7% in tier
+ Members Per Employee (MPE): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Net Interest Margin (NIM): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	7,647 +0.9% YoY+0.6% QoQ	-7.5K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	15%
Assets	$168.2M +2.8% YoY+1.5% QoQ	$-63.5M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	38%
Loans	$85.9M -3.9% YoY-0.1% QoQ	$-58.3M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	27%
Deposits	$141.6M +1.7% YoY+1.4% QoQ	$-59.6M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +55.9% YoY-2.6% QoQ	+0.0%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	49%
NIM	2.7% +17.6% YoY+6.8% QoQ	-0.9%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Bottom 6.8% in tier
Efficiency Ratio	62.7% -11.0% YoY-8.4% QoQ	-15.3%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	Top 11.5% in tier
Delinquency Rate	0.6% +106.7% YoY+0.4% QoQ	-0.2	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	46%
Loan To Share	60.7% -5.5% YoY-1.5% QoQ	-9.8%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	28%
AMR	$29,743 -1.4% YoY+0.3% QoQ	+$5K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	80%
CD Concentration	31.5% +3.1% YoY+4.1% QoQ	+7.2%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#283 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.68%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#326 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Liquidity Overhang

risk

#35 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.05%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 60.66%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Credit Quality Pressure

risk

#244 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#183 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.38%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.05%

Peer Median: 11.45%

#41 of 1070 Top 3.7% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 477.938

Peer Median: 309.176

#86 of 1070 Top 7.9% in 100M-500M tier

124

Efficiency Ratio

profitability

Value: 62.75%

Peer Median: 78.68%

#124 of 1070 Top 11.5% in 100M-500M tier

209

Average Member Relationship (AMR)

engagement

Value: $29,743

Peer Median: $22,931

#209 of 1070 Top 19.4% in 100M-500M tier

Top Weaknesses (6 metrics)

997

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.62%

#997 of 1070 Bottom 6.9% in 100M-500M tier

923

Loan Growth Rate

growth

Value: -3.89%

Peer Median: 2.93%

#923 of 1070 Bottom 13.8% in 100M-500M tier

920

AMR Growth Rate

growth

Value: -1.38%

Peer Median: 3.46%

#920 of 1070 Bottom 14.1% in 100M-500M tier

920

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: 0.35%

#920 of 1070 Bottom 14.1% in 100M-500M tier

905

Total Members

engagement

Value: 7,647

Peer Median: 13,200

#905 of 1070 Bottom 15.5% in 100M-500M tier

818

Share Certificate Concentration (%)

balance_sheet

Value: 31.48%

Peer Median: 23.10%

#818 of 1070 Bottom 23.6% in 100M-500M tier