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 0.2% in tier
- - Credit Quality Pressure: Bottom 43.6% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 11.39% above tier (higher cost structure)
- - Delinquency rate 0.62% above tier average
- - Net Interest Margin (NIM): Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,306
+0.0% YoY+0.1% QoQ
|
-1.1K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$194.4M
+8.0% YoY+2.3% QoQ
|
$-37.5M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$88.2M
-3.3% YoY-0.3% QoQ
|
$-59.1M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$175.6M
+7.0% YoY+2.5% QoQ
|
$-25.2M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.2%
-8.8% YoY-18.2% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.7% in tier |
| NIM |
2.5%
-1.8% YoY+0.0% QoQ
|
-1.1% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
88.4%
-0.4% YoY+0.5% QoQ
|
+11.4% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
1.5%
+19.2% YoY+17.9% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 13.2% in tier |
| Loan To Share |
50.2%
-9.7% YoY-2.7% QoQ
|
-22.0% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.0% in tier |
| AMR |
$18,445
+3.3% YoY+1.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
40.5%
+6.5% YoY+0.7% QoQ
|
+16.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
1.7%
+109.2% QoQ
|
-12.1% | 13.8% | 5.2% | 7.8% | 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)