BlastPoint's Credit Union Scorecard
RIVERFALL
Charter #60942 · AL
RIVERFALL faces 7 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 1.4% in tier
- - Credit Quality Pressure: Bottom 11.7% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 10.73% above tier (higher cost structure)
- - Delinquency rate 0.43% above tier average
- - Net Interest Margin (NIM): Bottom 5.8% in tier
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,287
-0.1% YoY0% QoQ
|
-1.3K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$190.0M
+7.9% YoY-0.2% QoQ
|
$-41.3M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$88.5M
-4.6% YoY-1.4% QoQ
|
$-59.3M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$171.4M
+8.3% YoY-0.8% QoQ
|
$-28.9M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.2%
+71.1% YoY+12.3% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.8% in tier |
| NIM |
2.5%
-4.3% YoY+3.8% QoQ
|
-1.1% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
88.0%
-0.4% YoY-1.9% QoQ
|
+10.7% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
1.3%
+25.8% YoY-22.7% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
51.6%
-11.9% YoY-0.6% QoQ
|
-21.1% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.7% in tier |
| AMR |
$18,192
+3.7% YoY-1.0% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
40.2%
+10.4% YoY+1.2% QoQ
|
+15.8% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.8%
+2466.5% QoQ
|
-13.2% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)