BlastPoint's Credit Union Scorecard
RED RIVER EMPLOYEES
Charter #5029 · TX
RED RIVER EMPLOYEES has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.7% in tier
- + Emerging Performer: Top 90.1% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.8% in tier
- - Delinquency rate 0.11% above tier average
- - Average Member Relationship (AMR): Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123,510
+1.4% YoY+0.6% QoQ
|
+24.8K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$1.6B
+5.8% YoY+1.5% QoQ
|
$-168.6M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$1.1B
+3.5% YoY+1.7% QoQ
|
$-113.9M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$1.3B
+6.3% YoY+1.4% QoQ
|
$-160.5M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.8%
+16.9% YoY+16.1% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.5%
+6.6% YoY-0.1% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
71.4%
-7.2% YoY-1.9% QoQ
|
-2.6% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.9%
-9.6% YoY-11.0% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
86.5%
-2.7% YoY+0.3% QoQ
|
+1.3% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$19,536
+3.5% YoY+1.0% QoQ
|
$-10K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
34.7%
-0.7% YoY+3.1% QoQ
|
+5.8% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % |
20.5%
-8.1% YoY-0.1% QoQ
|
+1.7% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
59% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)