BlastPoint's Credit Union Scorecard
RIO GRANDE VALLEY CREDIT UNION
Charter #61734 · TX
RIO GRANDE VALLEY CREDIT UNION faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 0.22% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Loan Growth Rate: Bottom 4.4% 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 74 that size in Texas.
- Shares and deposits +3.9% year over year ($159M in shares and deposits).
- Membership: 17,573 members, +0.3% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.83%.
- Efficiency ratio 76.95% vs a 76.73% peer average.
- Loan-to-share ratio 39.21% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,573
+0.3% YoY-0.2% QoQ
|
+2.4K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$180.1M
+4.8% YoY-0.7% QoQ
|
$-51.9M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$62.4M
-7.8% YoY-3.1% QoQ
|
$-83.8M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.4% in tier |
| Deposits |
$159.2M
+3.9% YoY-1.3% QoQ
|
$-41.5M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.8%
-6.0% YoY-7.9% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
3.3%
-1.8% YoY+3.3% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
77.0%
+0.2% YoY+1.7% QoQ
|
+0.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
0.4%
+92.7% YoY-11.6% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
39.2%
-11.2% YoY-1.8% QoQ
|
-32.3% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.1% in tier |
| AMR |
$12,614
-0.0% YoY-1.6% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.9% in tier |
| CD Concentration |
20.1%
+14.5% YoY+5.6% QoQ
|
-4.4% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)