BlastPoint's Credit Union Scorecard
RIVERFALL
Charter #60942 · AL
RIVERFALL faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 14.67% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Share Certificate Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,300
-0.2% YoY-0.0% QoQ
|
-845 |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$196.9M
+3.7% YoY+1.3% QoQ
|
$-34.8M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$88.2M
-2.0% YoY-0.1% QoQ
|
$-56.0M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$177.1M
+2.7% YoY+0.8% QoQ
|
$-24.1M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.1%
+5.2% YoY-15.7% QoQ
|
-0.6% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.7% in tier |
| NIM |
2.4%
+3.0% YoY-1.1% QoQ
|
-1.2% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
92.7%
-0.2% YoY+4.8% QoQ
|
+14.7% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
1.1%
-6.2% YoY-28.9% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
49.8%
-4.6% YoY-0.9% QoQ
|
-20.6% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.1% in tier |
| AMR |
$18,548
+1.3% YoY+0.6% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
39.5%
+2.4% YoY-2.3% QoQ
|
+15.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
2.8%
+62.1% QoQ
|
-11.0% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)