BlastPoint's Credit Union Scorecard

RIVER VALLEY

Charter #61664 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

RIVER VALLEY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.13% above tier average
+ Members Per Employee (MPE): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.46% above tier average
- Fee Income Per Member: Bottom 3.6% in tier
- Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	6,771 +2.4% YoY+0.2% QoQ	-8.4K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	Bottom 10.1% in tier
Assets	$118.0M +7.5% YoY+3.6% QoQ	$-113.7M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	Bottom 12.4% in tier
Loans	$65.3M +3.8% YoY+0.4% QoQ	$-78.8M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Bottom 13.8% in tier
Deposits	$104.0M +7.4% YoY+3.9% QoQ	$-97.2M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	Bottom 13.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -29.9% YoY-11.8% QoQ	+0.1%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	62%
NIM	2.8% -2.2% YoY-6.1% QoQ	-0.9%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Bottom 8.3% in tier
Efficiency Ratio	67.9% +20.9% YoY+5.3% QoQ	-10.1%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	1.2% +147.4% YoY+52.3% QoQ	+0.5	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	84%
Loan To Share	62.8% -3.4% YoY-3.3% QoQ	-7.6%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	32%
AMR	$25,002 +3.5% YoY+2.3% QoQ	+$83	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	62%
CD Concentration	34.1% +10.7% YoY+5.0% QoQ	+9.8%	24.3%	21.8%	19.8%	50%
Indirect Auto %	50.0% +7.3% YoY+3.7% QoQ	+36.2%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#120 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.86%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.40%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#36 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.55%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 49.97%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.40%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#61 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.74% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#142 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.74% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#26 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 11.72% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 36.92%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Margin Compression

decline

#103 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.86%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.23%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.37% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 483.643

Peer Median: 309.176

#77 of 1070 Top 7.1% in 100M-500M tier

207

Deposit Growth Rate

growth

Value: 7.44%

Peer Median: 3.30%

#207 of 1070 Top 19.3% in 100M-500M tier

223

Efficiency Ratio

profitability

Value: 67.90%

Peer Median: 78.68%

#223 of 1070 Top 20.7% in 100M-500M tier

224

Asset Growth Rate

growth

Value: 7.55%

Peer Median: 3.91%

#224 of 1070 Top 20.8% in 100M-500M tier

257

Member Growth Rate

growth

Value: 2.40%

Peer Median: -0.06%

#257 of 1070 Top 23.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1032

Fee Income Per Member

profitability

Value: $50.40

Peer Median: $154.95

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1032

Indirect Auto Concentration (%)

balance_sheet

Value: 49.97%

Peer Median: 6.61%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

981

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Median: 3.62%

#981 of 1070 Bottom 8.4% in 100M-500M tier

962

Total Members

engagement

Value: 6,771

Peer Median: 13,200

#962 of 1070 Bottom 10.2% in 100M-500M tier

937

Total Assets

balance_sheet

Value: $117.97M

Peer Median: $196.57M

#937 of 1070 Bottom 12.5% in 100M-500M tier

925

Total Deposits

balance_sheet

Value: $103.98M

Peer Median: $171.29M

#925 of 1070 Bottom 13.6% in 100M-500M tier

922

Total Loans

balance_sheet

Value: $65.31M

Peer Median: $121.41M

#922 of 1070 Bottom 13.9% in 100M-500M tier

901

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: 0.61%

#901 of 1070 Bottom 15.9% in 100M-500M tier

890

Share Certificate Concentration (%)

balance_sheet

Value: 34.08%

Peer Median: 23.10%

#890 of 1070 Bottom 16.9% in 100M-500M tier