BlastPoint's Credit Union Scorecard
RIVER TO RIVER
Charter #61152 · IL
RIVER TO RIVER demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.97% above tier average
- + Net Interest Margin 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,392
+1.9% YoY-1.5% QoQ
|
-233 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$27.9M
+4.7% YoY-4.0% QoQ
|
$-2.0M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$14.8M
+10.4% YoY+1.3% QoQ
|
$-985K |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$24.0M
+2.2% YoY-5.3% QoQ
|
$-1.5M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
2.7%
+17.0% YoY-0.9% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 3.2% in tier |
| NIM |
4.8%
+6.8% YoY+1.8% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
50.1%
-6.6% YoY+0.6% QoQ
|
-31.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
0.5%
+9.7% YoY-26.7% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
61.7%
+8.0% YoY+6.9% QoQ
|
+0.4% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$16,200
+3.2% YoY-1.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
1.0%
-32.5% YoY-11.4% QoQ
|
-23.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)