BlastPoint's Credit Union Scorecard
RIVERFALL
Charter #60942 · AL
RIVERFALL faces 8 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 12.55% above tier (higher cost structure)
- - Delinquency rate 1.05% above tier average
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Share Certificate Concentration (%): Bottom 8.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
- Shares and deposits +1.4% year over year ($175M in shares and deposits).
- Membership: 14,223 members, -0.4% vs a year ago.
- Delinquency rate 1.93%.
- Return on assets 0.34%.
- Efficiency ratio 89.29% vs a 76.73% peer average.
- Loan-to-share ratio 50.34% vs a 71.54% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,223
-0.4% YoY-0.5% QoQ
|
-945 |
15,168
-2.6% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$193.9M
+1.9% YoY-1.5% QoQ
|
$-38.1M |
$232.0M
+0.7% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$88.2M
-1.7% YoY-0.0% QoQ
|
$-58.1M |
$146.3M
+0.2% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$175.1M
+1.4% YoY-1.1% QoQ
|
$-25.6M |
$200.7M
+0.2% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.3%
+85.3% YoY+139.2% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
2.6%
+7.7% YoY+4.8% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
89.3%
-0.5% YoY-3.7% QoQ
|
+12.6% |
76.7%
-0.8% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
1.9%
+15.7% YoY+78.8% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
50.3%
-3.1% YoY+1.1% QoQ
|
-21.2% |
71.5%
-0.3% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.1% in tier |
| AMR |
$18,512
+0.8% YoY-0.2% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
39.6%
-0.4% YoY+0.1% QoQ
|
+15.0% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
4.1%
+47.8% QoQ
|
-9.5% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)