BlastPoint's Credit Union Scorecard

RED RIVER EMPLOYEES

Charter #5029 · TX

Mid-Market 1B-3B

Red River at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Red River is one of 101 credit unions in the 2026 VentureTech card set. We also found Red River's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Red River

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RED RIVER
PEER · AT VENTURETECH
PEER · AT VENTURETECH
RED RIVER'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 27 in TX

View Mid-Market leaderboard →

RED RIVER EMPLOYEES has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 22.4% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 65.3% in tier
- Delinquency rate 0.07% above tier average
- Average Member Relationship (AMR): Bottom 5.7% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	126,191 +2.8% YoY+1.2% QoQ	+29.3K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	78%
Assets	$1.6B +3.5% YoY-0.2% QoQ	$-141.8M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	54%
Loans	$1.2B +7.9% YoY+3.6% QoQ	$-47.4M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	55%
Deposits	$1.3B +3.9% YoY-0.4% QoQ	$-138.0M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +61.0% YoY+27.6% QoQ	+0.3%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	80%
NIM	3.7% +7.3% YoY+1.7% QoQ	+0.3%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	70%
Efficiency Ratio	66.5% -8.6% YoY-4.7% QoQ	-6.5%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	21%
Delinquency Rate	0.9% -10.8% YoY+66.9% QoQ	+0.1	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	69%
Loan To Share	89.5% +3.9% YoY+4.0% QoQ	+4.8%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	58%
AMR	$19,907 +2.9% YoY+0.3% QoQ	$-10K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 5.3% in tier
CD Concentration	33.8% +0.3% YoY-0.8% QoQ	+4.7%	29.1%	21.6%	20.0%	70%
Indirect Auto %	20.1% -2.0% YoY+3.6% QoQ	+2.0%	18.1%	6.9%	7.7%	61%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#41 of 82 • Top 22.4% 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: 1.16%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.75%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk

#173 of 193 • Bottom 65.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.54%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 20.12%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.75%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 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 300 peers in tier

Top Strengths (4 metrics)

Net Worth Ratio

risk

Value: 13.86%

Peer Median: 10.91%

#43 of 300 Top 14.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: 0.77%

#60 of 300 Top 19.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.47%

Peer Median: 73.62%

#64 of 300 Top 21.0% in 1B-3B tier

Total Members

engagement

Value: 126,191

Peer Median: 86,516

#67 of 300 Top 22.0% in 1B-3B tier

Top Weaknesses (2 metrics)

284

Average Member Relationship (AMR)

engagement

Value: $19,907

Peer Median: $28,089

#284 of 300 Bottom 5.7% in 1B-3B tier

270

Loan-to-Member Ratio (LMR)

engagement

Value: $9,405

Peer Median: $12,809

#270 of 300 Bottom 10.3% in 1B-3B tier