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 59.8% in tier
- + Emerging Performer: Top 65.8% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 75.4% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123,949
+2.0% YoY+0.4% QoQ
|
+26.5K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$1.6B
+5.5% YoY+1.5% QoQ
|
$-149.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$1.1B
+3.6% YoY+1.0% QoQ
|
$-103.6M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$1.3B
+8.0% YoY+1.1% QoQ
|
$-151.0M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+46.6% YoY+17.2% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.5%
+5.1% YoY+0.1% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
69.3%
-7.8% YoY-2.9% QoQ
|
-4.7% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.9%
-26.3% YoY-4.4% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
86.4%
-4.1% YoY-0.1% QoQ
|
+1.6% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$19,679
+3.8% YoY+0.7% QoQ
|
$-10K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.6% in tier |
| CD Concentration |
34.2%
+2.8% YoY-1.7% QoQ
|
+5.1% | 29.0% | 21.2% | 19.8% | 74% |
| Indirect Auto % |
20.1%
-7.5% YoY-2.1% QoQ
|
+1.8% | 18.3% | 7.1% | 7.8% | 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)