BlastPoint's Credit Union Scorecard
2 RIVERS AREA
Charter #62827 · IL
2 RIVERS AREA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Deposit Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 4.6% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 5.29% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits +18.0% year over year ($25.1M in shares and deposits).
- Membership: 4,002 members, -0.3% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 0.35%.
- Efficiency ratio 94.06% vs a 88.77% peer average.
- Loan-to-share ratio 64.68% vs a 58.89% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,002
-0.3% YoY+0.8% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$27.7M
+14.9% YoY+4.2% QoQ
|
$-2.5M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$16.2M
+12.8% YoY+16.0% QoQ
|
+$752K |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$25.1M
+18.0% YoY+5.1% QoQ
|
$-741K |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.4%
-11.2% YoY
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
4.0%
-8.7% YoY+6.4% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
94.1%
+0.2% YoY-5.4% QoQ
|
+5.3% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.8%
-39.8% YoY-59.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
64.7%
-4.4% YoY+10.4% QoQ
|
+5.8% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$10,313
+16.2% YoY+8.2% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
2.7%
-53.4% YoY-30.9% QoQ
|
-21.9% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)