BlastPoint's Credit Union Scorecard
RED RIVER EMPLOYEES
Charter #5029 · TX
RED RIVER EMPLOYEES has 3 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
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +3.9% year over year ($1.33B in shares and deposits).
- Membership: 126,191 members, +2.8% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 1.16%.
- Efficiency ratio 66.47% vs a 73.02% peer average.
- Loan-to-share ratio 89.55% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
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)