BlastPoint's Credit Union Scorecard
RIVER VALLEY
Charter #62123 · MI
RIVER VALLEY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 5.59% above tier (higher cost structure)
- - Member decline: -2.6% YoY
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 68 that size in Michigan.
- Shares and deposits -0.1% year over year ($107M in shares and deposits).
- Membership: 9,121 members, -2.6% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.71%.
- Efficiency ratio 82.33% vs a 76.73% peer average.
- Loan-to-share ratio 68.57% 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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,121
-2.6% YoY-0.9% QoQ
|
-6.0K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$124.0M
+0.4% YoY-0.3% QoQ
|
$-108.0M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$73.7M
-0.4% YoY+0.6% QoQ
|
$-72.6M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$107.5M
-0.1% YoY-1.1% QoQ
|
$-93.2M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.7%
+1.8% YoY+11.7% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.6%
+6.2% YoY+5.4% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
82.3%
+1.3% YoY-3.2% QoQ
|
+5.6% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.6%
+40.5% YoY+10.8% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
68.6%
-0.2% YoY+1.6% QoQ
|
-3.0% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$19,866
+2.5% YoY+0.5% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
10.7%
-10.2% YoY+5.1% QoQ
|
-13.9% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
5.3%
-19.9% YoY-4.9% QoQ
|
-8.4% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)