BlastPoint's Credit Union Scorecard

RIVER VALLEY

Charter #61664 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

RIVER VALLEY has 2 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
+ Members Per Employee (MPE): Top 7.3% 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
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.17% above tier average
- Fee Income Per Member: Bottom 3.7% in tier
- Indirect Auto Concentration (%): Bottom 3.7% in tier
- Net Interest Margin (NIM): Bottom 8.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +6.2% year over year ($105M in shares and deposits).
Membership: 6,797 members, +2.0% vs a year ago.
Delinquency rate 1.05%.
Return on assets 0.87%.
Efficiency ratio 68.11% vs a 76.73% peer average.
Loan-to-share ratio 62.42% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	6,797 +2.0% YoY+0.4% QoQ	-8.4K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	Bottom 10.4% in tier
Assets	$119.3M +6.4% YoY+1.2% QoQ	$-112.7M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	Bottom 13.0% in tier
Loans	$65.6M +5.5% YoY+0.4% QoQ	$-80.7M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	Bottom 14.1% in tier
Deposits	$105.0M +6.2% YoY+1.0% QoQ	$-95.7M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	Bottom 13.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -13.7% YoY+0.9% QoQ	+0.0%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	57%
NIM	2.8% -3.5% YoY+1.2% QoQ	-0.9%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	Bottom 7.9% in tier
Efficiency Ratio	68.1% +6.5% YoY+0.3% QoQ	-8.6%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	22%
Delinquency Rate	1.1% +43.3% YoY-14.9% QoQ	+0.2	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	71%
Loan To Share	62.4% -0.7% YoY-0.6% QoQ	-9.1%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	29%
AMR	$25,097 +3.8% YoY+0.4% QoQ	$-9	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	61%
CD Concentration	34.8% +8.0% YoY+2.1% QoQ	+10.2%	24.6%	21.7%	20.0%	50%
Indirect Auto %	50.0% +8.3% YoY+0.1% QoQ	+36.4%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#139 of 175 • 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: 0.87%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.00%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#47 of 476 • 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): 6.40%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 50.01%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.00%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#233 of 693 • 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): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#169 of 472 • 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): 5.45%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Margin Compression

decline

#135 of 140 • 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: 0.87%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | 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 1024 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 485.500

Peer Median: 310.924

#76 of 1024 Top 7.3% in 100M-500M tier

224

Efficiency Ratio

profitability

Value: 68.11%

Peer Median: 77.26%

#224 of 1024 Top 21.8% in 100M-500M tier

Top Weaknesses (8 metrics)

987

Fee Income Per Member

profitability

Value: $56.34

Peer Median: $159.88

#987 of 1024 Bottom 3.7% in 100M-500M tier

987

Indirect Auto Concentration (%)

balance_sheet

Value: 50.01%

Peer Median: 6.15%

#987 of 1024 Bottom 3.7% in 100M-500M tier

943

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: 3.67%

#943 of 1024 Bottom 8.0% in 100M-500M tier

917

Total Members

engagement

Value: 6,797

Peer Median: 13,128

#917 of 1024 Bottom 10.5% in 100M-500M tier

891

Total Assets

balance_sheet

Value: $119.33M

Peer Median: $196.38M

#891 of 1024 Bottom 13.1% in 100M-500M tier

885

Total Deposits

balance_sheet

Value: $105.03M

Peer Median: $170.77M

#885 of 1024 Bottom 13.7% in 100M-500M tier

880

Total Loans

balance_sheet

Value: $65.56M

Peer Median: $124.04M

#880 of 1024 Bottom 14.2% in 100M-500M tier

857

Share Certificate Concentration (%)

balance_sheet

Value: 34.79%

Peer Median: 23.39%

#857 of 1024 Bottom 16.4% in 100M-500M tier