BlastPoint's Credit Union Scorecard
RIVER TO RIVER
Charter #61152 · IL
RIVER TO RIVER demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.96% 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 5.1% in tier
- + Loan Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,421
+2.1% YoY+1.2% QoQ
|
-194 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$29.0M
+8.6% YoY+4.1% QoQ
|
$-1.1M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$15.2M
+13.1% YoY+2.7% QoQ
|
$-585K |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$24.9M
+6.7% YoY+4.1% QoQ
|
$-747K |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
2.6%
+12.6% YoY-2.6% QoQ
|
+2.0% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.5% in tier |
| NIM |
4.8%
+4.8% YoY+0.5% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
51.2%
-5.5% YoY+2.1% QoQ
|
-31.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.6%
+43.9% YoY+14.4% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
60.9%
+6.1% YoY-1.3% QoQ
|
+0.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$16,570
+6.8% YoY+2.3% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
1.0%
-37.0% YoY-6.3% QoQ
|
-23.5% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)