BlastPoint's Credit Union Scorecard

RIVERTRUST

Charter #473 · MS

100M-500M

1069 CUs in 100M-500M nationally 12 in MS

RIVERTRUST has 4 strengths but faces 7 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 3.8% in tier
+ Members Per Employee (MPE): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Net Interest Margin (NIM): Bottom 6.3% in tier
- AMR Growth Rate: Bottom 7.8% in tier
- Loan Growth Rate: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	7,604 +1.0% YoY+0.1% QoQ	-7.8K	15,437 -2.9% YoY	14,672 +15.4% YoY	33,374 +5.7% YoY	Bottom 14.0% in tier
Assets	$165.8M +2.7% YoY+2.0% QoQ	$-66.1M	$231.9M +1.3% YoY	$175.8M +23.7% YoY	$561.6M +9.7% YoY	38%
Loans	$85.9M -5.7% YoY-2.4% QoQ	$-61.4M	$147.3M -0.1% YoY	$116.9M +20.6% YoY	$397.0M +8.8% YoY	26%
Deposits	$139.6M +0.8% YoY+2.3% QoQ	$-61.2M	$200.8M +0.8% YoY	$139.2M +23.5% YoY	$477.3M +9.7% YoY	35%

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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% +10.7% YoY-7.7% QoQ	-0.1%	0.8% +18.2% YoY	0.8% +172.9% YoY	0.7% +15.9% YoY	45%
NIM	2.5% +17.1% YoY+0.8% QoQ	-1.1%	3.6% +6.7% YoY	4.4% +3.3% YoY	3.8% +5.1% YoY	Bottom 6.2% in tier
Efficiency Ratio	68.5% -4.4% YoY-0.7% QoQ	-8.5%	77.0% -3.1% YoY	79.5% -8.9% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	0.6% -7.8% YoY+9.5% QoQ	-0.3	0.9% +4.2% YoY	2.7% -0.7% YoY	1.3% -2.1% YoY	38%
Loan To Share	61.6% -6.4% YoY-4.6% QoQ	-10.7%	72.2% -1.1% YoY	68.0% -1.8% YoY	67.4% -1.7% YoY	27%
AMR	$29,661 -2.8% YoY+0.3% QoQ	+$5K	$24,676 +3.4% YoY	$12,283 +3.8% YoY	$19,687 +2.0% YoY	81%
CD Concentration	30.2% -1.9% YoY-2.0% QoQ	+5.8%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.5%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#469 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.70%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#367 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Liquidity Overhang

risk

#37 of 135 • 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: 19.15%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 61.55%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Shrinking Wallet Share

decline

#99 of 208 • 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): -2.75%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Wealth Migration Risk

decline

#19 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $29.7K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -2.75%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.15%

Peer Median: -

#42 of 1069 Top 3.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 475.250

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

204

Average Member Relationship (AMR)

engagement

Value: $29,661

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

225

Efficiency Ratio

profitability

Value: 68.50%

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1003

Net Interest Margin (NIM)

profitability

Value: 2.53%

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

987

AMR Growth Rate

growth

Value: -2.75%

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier

969

Loan Growth Rate

growth

Value: -5.71%

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

919

Total Members

engagement

Value: 7,604

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

840

Deposit Growth Rate

growth

Value: 0.78%

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier