BlastPoint's Credit Union Scorecard
RIVER COMMUNITY
Charter #64986 · IA
RIVER COMMUNITY demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Members Per Employee (MPE): Top 7.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,651
+0.7% YoY+0.2% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$29.1M
-1.6% YoY-1.8% QoQ
|
$-1.1M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$20.4M
-0.3% YoY-1.9% QoQ
|
+$4.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$24.4M
-3.4% YoY-2.6% QoQ
|
$-1.3M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
1.4%
+15.5% YoY+4.8% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.8%
+9.3% YoY+3.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
68.2%
-0.9% YoY+0.8% QoQ
|
-14.3% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
-36.7% YoY-67.1% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
83.5%
+3.2% YoY+0.7% QoQ
|
+22.9% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$12,256
-2.8% YoY-2.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
33.8%
-14.3% YoY-9.7% QoQ
|
+9.3% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)