BlastPoint's Credit Union Scorecard

RIVERTRUST

Charter #473 · MS

1077 CUs in 100M-500M nationally 12 in MS

RIVERTRUST has 6 strengths but faces 8 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 Leader: Top 20.6% in tier
+ Organic Growth Engine: Top 21.8% in tier
+ Emerging Performer: Top 90.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 3.4% in tier
+ Members Per Employee (MPE): Top 5.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 7.0% in tier
- Wealth Migration Risk: Bottom 20.0% in tier
- Liquidity Overhang: Bottom 27.1% in tier
- Deposit Outflow: Bottom 76.2% in tier
- ROA 0.03% below tier average
- AMR Growth Rate: Bottom 5.0% in tier
- Net Interest Margin (NIM): Bottom 6.0% in tier
- Deposit Growth Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	7,593 +1.9% YoY-0.2% QoQ	-8.0K	15,628 -3.4% YoY	14,577 +18.5% YoY	33,089 +6.1% YoY	Bottom 13.6% in tier
Assets	$162.5M -0.8% YoY+0.2% QoQ	$-68.8M	$231.3M -0.0% YoY	$171.7M +26.4% YoY	$547.7M +7.8% YoY	36%
Loans	$88.0M -3.5% YoY-1.1% QoQ	$-59.8M	$147.8M -1.4% YoY	$115.7M +25.1% YoY	$388.7M +8.6% YoY	27%
Deposits	$136.4M -2.1% YoY-0.4% QoQ	$-63.8M	$200.3M -0.0% YoY	$135.7M +26.5% YoY	$464.6M +9.3% YoY	34%

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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	0.8% -0.5% YoY+59.1% QoQ	-0.0%	0.8% +15.5% YoY	0.9% +335.0% YoY	0.7% +273.4% YoY	49%
NIM	2.5% +18.5% YoY+4.1% QoQ	-1.1%	3.6% +6.9% YoY	4.4% +3.2% YoY	3.7% +5.0% YoY	Bottom 5.9% in tier
Efficiency Ratio	69.0% -1.2% YoY-3.6% QoQ	-8.3%	77.3% -3.0% YoY	78.7% -9.5% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	0.5% -7.4% YoY+26.9% QoQ	-0.3	0.9% +7.6% YoY	1.7% -11.9% YoY	1.2% -0.9% YoY	38%
Loan To Share	64.5% -1.4% YoY-0.7% QoQ	-8.2%	72.7% -1.5% YoY	68.6% -0.4% YoY	68.0% -1.7% YoY	30%
AMR	$29,564 -4.5% YoY-0.5% QoQ	+$5K	$24,363 +2.9% YoY	$12,163 +4.6% YoY	$19,418 +1.3% YoY	82%
CD Concentration	30.8% -0.9% YoY+4.4% QoQ	+6.4%	24.4% +4.2% YoY	19.3% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.5% +12.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#272 of 430 • Top 20.6% in tier

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

Why This Signature

Member Growth (YoY): 1.89%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#401 of 603 • Top 21.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.89%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.76%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#173 of 191 • Top 90.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.89%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#71 of 244 • Bottom 7.0% in tier

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

Why This Signature

AMR Growth (YoY): -4.50%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Wealth Migration Risk

decline

#23 of 28 • Bottom 20.0% in tier

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

Why This Signature

Avg Member Relationship: $29.6K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -4.50%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Liquidity Overhang

risk

#37 of 134 • Bottom 27.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.40%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 64.52%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Deposit Outflow

decline

#62 of 81 • Bottom 76.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.15%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.89%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.40%

Peer Avg: -

#38 of 1077 Top 3.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 506.200

Peer Avg: -

#58 of 1077 Top 5.3% in 100M-500M tier

194

Average Member Relationship (AMR)

engagement

Value: $29,564

Peer Avg: -

#194 of 1077 Top 17.9% in 100M-500M tier

256

Efficiency Ratio

profitability

Value: 68.97%

Peer Avg: -

#256 of 1077 Top 23.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1024

AMR Growth Rate

growth

Value: -4.50%

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

1013

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Avg: -

#1013 of 1077 Bottom 6.0% in 100M-500M tier

980

Deposit Growth Rate

growth

Value: -2.15%

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

931

Total Members

engagement

Value: 7,593

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

919

Asset Growth Rate

growth

Value: -0.77%

Peer Avg: -

#919 of 1077 Bottom 14.8% in 100M-500M tier

880

Loan Growth Rate

growth

Value: -3.52%

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier