BlastPoint's Credit Union Scorecard

RIVERFRONT

Charter #5856 · PA

1077 CUs in 100M-500M nationally 61 in PA

RIVERFRONT faces 7 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 11.3% in tier
- Credit Risk Growth: Bottom 26.3% in tier
- Credit Quality Pressure: Bottom 27.6% in tier
- Indirect Auto Dependency: Bottom 31.8% in tier
- ROA 0.41% below tier average
- Efficiency ratio 5.07% above tier (higher cost structure)
- Net Worth Ratio: Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	23,232 +0.1% YoY+0.3% QoQ	+7.6K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	84%
Assets	$314.4M +1.3% YoY-2.3% QoQ	+$83.1M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	76%
Loans	$232.4M +5.1% YoY+0.1% QoQ	+$84.6M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	82%
Deposits	$287.5M +0.9% YoY-2.9% QoQ	+$87.2M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +65.2% YoY+52.1% QoQ	-0.4%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	23%
NIM	3.2% +11.2% YoY+3.8% QoQ	-0.4%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	28%
Efficiency Ratio	82.3% -3.0% YoY-1.6% QoQ	+5.1%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.4% +5.2% YoY-35.4% QoQ	-0.5	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	27%
Loan To Share	80.8% +4.2% YoY+3.1% QoQ	+8.1%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	66%
AMR	$22,377 +2.6% YoY-1.9% QoQ	$-2K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	50%
CD Concentration	28.4% -3.6% YoY+0.2% QoQ	+4.0%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.0% +6.0% YoY-1.0% QoQ	+2.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#200 of 521 • Bottom 11.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.34%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 0.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Risk Growth

risk

#395 of 446 • Bottom 26.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.10%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#684 of 736 • Bottom 27.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#511 of 525 • Bottom 31.8% in tier

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

Why This Signature

Asset Growth (YoY): 1.31%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.99%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (5 metrics)

175

Total Members

engagement

Value: 23,232

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

188

Total Loans

balance_sheet

Value: $232.39M

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

211

Members Per Employee (MPE)

engagement

Value: 400.552

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

225

Total Deposits

balance_sheet

Value: $287.48M

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

261

Total Assets

balance_sheet

Value: $314.36M

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1015

Net Worth Ratio

risk

Value: 8.25%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

825

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier