BlastPoint's Credit Union Scorecard
RIO GRANDE VALLEY CREDIT UNION
Charter #61734 · TX
RIO GRANDE VALLEY CREDIT UNION has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Deposit Growth Rate: Top 5.6% in tier
- + Asset Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Loan Growth Rate: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,571
+0.5% YoY-0.1% QoQ
|
+2.1K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$175.0M
+12.4% YoY-1.9% QoQ
|
$-56.8M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$65.8M
-15.1% YoY-5.9% QoQ
|
$-81.5M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.3% in tier |
| Deposits |
$155.5M
+13.1% YoY-1.7% QoQ
|
$-45.3M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.1%
-6.9% YoY+11.1% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.3%
-3.5% YoY+0.8% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
74.1%
-0.6% YoY-1.0% QoQ
|
-3.0% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.5%
+111.6% YoY+36.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
42.3%
-24.9% YoY-4.3% QoQ
|
-29.9% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.1% in tier |
| AMR |
$12,594
+2.4% YoY-2.9% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
19.0%
+36.6% YoY-0.9% QoQ
|
-5.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)