BlastPoint's Credit Union Scorecard
2 RIVERS AREA
Charter #62827 · IL
2 RIVERS AREA has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 14.19% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,989
-1.9% YoY-0.6% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$23.9M
+0.3% YoY-0.8% QoQ
|
$-5.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$13.9M
-10.2% YoY-3.4% QoQ
|
$-1.9M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$21.0M
-0.8% YoY-1.0% QoQ
|
$-4.4M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
0.3%
-42.3% YoY-28.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
4.5%
+11.2% YoY+2.0% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
95.6%
+4.0% YoY+1.9% QoQ
|
+14.2% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
1.4%
+29.5% YoY+6.7% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
66.0%
-9.4% YoY-2.4% QoQ
|
+4.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$8,753
-2.9% YoY-1.3% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
5.6%
-13.6% YoY-2.8% QoQ
|
-18.8% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)