BlastPoint's Credit Union Scorecard
RIVER VALLEY
Charter #61664 · IA
RIVER VALLEY has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.6% in tier
- - Stagnation Risk: Bottom 20.8% in tier
- - Institutional Decline: Bottom 29.7% in tier
- - Membership Headwinds: Bottom 30.6% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Total Members: Bottom 8.4% in tier
- - Total Assets: Bottom 8.7% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,679
-0.8% YoY+0.2% QoQ
|
-8.9K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.4% in tier |
| Assets |
$113.0M
+6.6% YoY+0.8% QoQ
|
$-118.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.6% in tier |
| Loans |
$62.1M
-6.3% YoY-0.2% QoQ
|
$-85.7M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.9% in tier |
| Deposits |
$99.4M
+6.2% YoY+0.4% QoQ
|
$-100.9M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.4% in tier |
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| ROA |
0.9%
+38.9% YoY-9.3% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
2.9%
+9.3% YoY+1.3% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
64.9%
-12.6% YoY+1.5% QoQ
|
-12.4% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.8%
-12.3% YoY+9.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
62.5%
-11.8% YoY-0.6% QoQ
|
-10.2% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$24,166
+1.8% YoY-0.0% QoQ
|
$-197 |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
32.0%
+6.7% YoY-0.7% QoQ
|
+7.6% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
45.1%
-9.4% YoY-2.4% QoQ
|
+31.1% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)