BlastPoint's Credit Union Scorecard
RED RIVER EMPLOYEES
Charter #5029 · TX
RED RIVER EMPLOYEES has 3 strengths but faces 2 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
- + Emerging Performer: Top 31.1% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.6% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
124,743
+2.4% YoY+0.6% QoQ
|
+28.7K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$1.6B
+5.2% YoY+0.8% QoQ
|
$-133.7M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$1.1B
+4.9% YoY+1.3% QoQ
|
$-68.3M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$1.3B
+6.1% YoY+1.7% QoQ
|
$-135.0M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.9%
+39.9% YoY-7.3% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.7%
+4.2% YoY+5.4% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
69.7%
-4.0% YoY+0.6% QoQ
|
-4.9% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
0.6%
-10.9% YoY-37.2% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
86.1%
-1.2% YoY-0.4% QoQ
|
+2.9% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$19,849
+3.1% YoY+0.9% QoQ
|
$-10K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
34.1%
+2.5% YoY-0.3% QoQ
|
+5.2% | 28.8% | 21.3% | 19.8% | 73% |
| Indirect Auto % |
19.4%
-8.4% YoY-3.3% QoQ
|
+1.3% | 18.1% | 6.9% | 7.7% | 58% |
Signature Analysis
Strengths (1)
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)