BlastPoint's Credit Union Scorecard
RIVER VALLEY
Charter #61664 · IA
RIVER VALLEY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 66.3% in tier
- + Emerging Performer: Top 70.7% in tier
- + ROA 0.21% above tier average
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.0% in tier
- - Fee Income Per Member: Bottom 2.8% in tier
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Total Assets: Bottom 9.2% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,759
+2.4% YoY+1.2% QoQ
|
-8.7K |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$113.8M
+5.8% YoY+0.7% QoQ
|
$-118.0M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.1% in tier |
| Loans |
$65.0M
+1.3% YoY+4.8% QoQ
|
$-82.3M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.8% in tier |
| Deposits |
$100.1M
+5.6% YoY+0.8% QoQ
|
$-100.7M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.5% in tier |
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| ROA |
1.0%
+26.1% YoY+6.9% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.0%
+10.2% YoY+0.2% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
64.5%
-6.5% YoY-0.6% QoQ
|
-12.5% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate |
0.8%
-18.6% YoY+0.6% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
65.0%
-4.0% YoY+4.0% QoQ
|
-7.2% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$24,433
+1.4% YoY+1.1% QoQ
|
$-243 |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
32.5%
+5.6% YoY+1.5% QoQ
|
+8.0% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
48.2%
+0.6% YoY+6.9% QoQ
|
+34.4% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)