BlastPoint's Credit Union Scorecard
2 RIVERS AREA
Charter #62827 · IL
2 RIVERS AREA has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 13.32% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,940
-2.5% YoY-1.2% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$23.6M
+0.8% YoY-1.3% QoQ
|
$-6.5M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$13.3M
-11.8% YoY-4.2% QoQ
|
$-2.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$21.1M
+3.6% YoY+0.1% QoQ
|
$-4.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.2%
-47.7% YoY-12.8% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.5%
+6.4% YoY-0.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
95.9%
+3.7% YoY+0.3% QoQ
|
+13.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.1%
+18.9% YoY+49.4% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
63.2%
-14.8% YoY-4.3% QoQ
|
+2.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$8,722
-0.4% YoY-0.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
5.6%
+33.4% YoY+0.8% QoQ
|
-18.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)