BlastPoint's Credit Union Scorecard

RIVER VALLEY

Charter #62123 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

RIVER VALLEY has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Share Certificate Concentration (%): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency ratio 4.27% above tier (higher cost structure)
- Member decline: -3.4% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	9,324 -3.4% YoY-0.5% QoQ	-6.1K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	26%
Assets	$119.8M +0.8% YoY+1.7% QoQ	$-112.1M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Bottom 13.1% in tier
Loans	$73.2M -3.2% YoY-1.3% QoQ	$-74.1M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	18%
Deposits	$104.2M -0.1% YoY+1.8% QoQ	$-96.6M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Bottom 13.6% in tier

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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	0.8% +9.0% YoY-0.4% QoQ	+0.0%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	52%
NIM	3.6% +11.7% YoY+2.6% QoQ	+0.0%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	50%
Efficiency Ratio	81.3% -0.5% YoY+2.3% QoQ	+4.3%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.5% -18.0% YoY+6.7% QoQ	-0.4	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	31%
Loan To Share	70.3% -3.1% YoY-3.1% QoQ	-2.0%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	43%
AMR	$19,027 +2.1% YoY+1.0% QoQ	$-6K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	28%
CD Concentration	9.8% -28.3% YoY-1.0% QoQ	-14.7%	24.4%	18.6%	19.8%	50%
Indirect Auto %	5.9% -16.8% YoY-6.5% QoQ	-7.9%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#209 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.15%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#221 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#366 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.29%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -3.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#180 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $119.80M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.15%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (2 metrics)

107

Share Certificate Concentration (%)

balance_sheet

Value: 9.76%

Peer Median: -

#107 of 1069 Top 9.9% in 100M-500M tier

241

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (7 metrics)

929

Total Assets

balance_sheet

Value: $119.80M

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

924

Total Deposits

balance_sheet

Value: $104.20M

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

889

Deposit Growth Rate

growth

Value: -0.07%

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier

887

Member Growth Rate

growth

Value: -3.43%

Peer Median: -

#887 of 1069 Bottom 17.1% in 100M-500M tier

882

Loan Growth Rate

growth

Value: -3.15%

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier

877

Total Loans

balance_sheet

Value: $73.21M

Peer Median: -

#877 of 1069 Bottom 18.1% in 100M-500M tier

868

Asset Growth Rate

growth

Value: 0.77%

Peer Median: -

#868 of 1069 Bottom 18.9% in 100M-500M tier