BlastPoint's Credit Union Scorecard

RIO GRANDE VALLEY CREDIT UNION

Charter #61734 · TX

100M-500M
1069 CUs in 100M-500M nationally 79 in 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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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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)

No strengths identified

Concerns (1)

Credit Quality Pressure

risk
#267 of 705 • 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): 0.28% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.1% in 100M-500M tier
61
Deposit Growth Rate
growth
Value: 13.06%
Peer Median: -
#61 of 1069 Top 5.6% in 100M-500M tier
73
Asset Growth Rate
growth
Value: 12.43%
Peer Median: -
#73 of 1069 Top 6.7% in 100M-500M tier
133
First Mortgage Concentration (%)
balance_sheet
Value: 10.13%
Peer Median: -
#133 of 1069 Top 12.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1064
Loan Growth Rate
growth
Value: -15.09%
Peer Median: -
#1064 of 1069 Bottom 0.6% in 100M-500M tier
1057
Loan-to-Member Ratio (LMR)
engagement
Value: $3,747
Peer Median: -
#1057 of 1069 Bottom 1.2% in 100M-500M tier
1034
Average Member Relationship (AMR)
engagement
Value: $12,594
Peer Median: -
#1034 of 1069 Bottom 3.4% in 100M-500M tier
1014
Loan-to-Share Ratio
balance_sheet
Value: 42.35%
Peer Median: -
#1014 of 1069 Bottom 5.2% in 100M-500M tier
927
Total Loans
balance_sheet
Value: $65.84M
Peer Median: -
#927 of 1069 Bottom 13.4% in 100M-500M tier
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