BlastPoint's Credit Union Scorecard

MOUNTAIN RIVER

Charter #63704 · CO

2596 CUs in <100M nationally 29 in CO

MOUNTAIN RIVER faces 4 concerns requiring attention

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.14% below tier average
- Efficiency ratio 14.94% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Net Worth Ratio: Bottom 2.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	3,056 -3.7% YoY-0.9% QoQ	+430	2,625 -2.2% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	68%
Assets	$31.4M -1.5% YoY+1.5% QoQ	+$1.6M	$29.9M +1.1% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	62%
Loans	$14.4M -9.8% YoY-4.0% QoQ	$-1.4M	$15.8M -2.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	60%
Deposits	$29.0M -1.3% YoY+1.6% QoQ	+$3.6M	$25.5M +0.4% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	64%

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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	-0.5% -687.6% YoY-39.6% QoQ	-1.1%	0.7% -731.4% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 9.2% in tier
NIM	3.2% -0.7% YoY+1.1% QoQ	-0.7%	3.9% +3.8% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	25%
Efficiency Ratio	96.3% +8.4% YoY+0.2% QoQ	+14.9%	81.4% -2.4% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	Top 14.6% in tier
Delinquency Rate	0.4% -47.7% YoY-72.8% QoQ	-1.1	1.5% -2.0% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	37%
Loan To Share	49.5% -8.5% YoY-5.5% QoQ	-11.7%	61.2% -3.0% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	31%
AMR	$14,204 -0.6% YoY+0.6% QoQ	$-423	$14,627 -2.7% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	53%
CD Concentration	18.5% +26.7% YoY+3.2% QoQ	-5.9%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.5% -48.7% YoY-17.1% QoQ	-12.5%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2531

Net Worth Ratio

risk

Value: 7.33%

Peer Avg: -

#2531 of 2596 Bottom 2.5% in <100M tier

2356

Return on Assets (ROA)

profitability

Value: -0.46%

Peer Avg: -

#2356 of 2596 Bottom 9.3% in <100M tier

2276

First Mortgage Concentration (%)

balance_sheet

Value: 41.08%

Peer Avg: -

#2276 of 2596 Bottom 12.4% in <100M tier

2244

Indirect Auto Concentration (%)

balance_sheet

Value: 1.46%

Peer Avg: -

#2244 of 2596 Bottom 13.6% in <100M tier

2219

Efficiency Ratio

profitability

Value: 96.33%

Peer Avg: -

#2219 of 2596 Bottom 14.6% in <100M tier

2025

Loan Growth Rate

growth

Value: -9.76%

Peer Avg: -

#2025 of 2596 Bottom 22.0% in <100M tier