BlastPoint's Credit Union Scorecard
RIVERMARK COMMUNITY
Charter #65644 · OR
RIVERMARK COMMUNITY has 1 strength but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.96% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 83.9% in tier
- - Indirect Auto Dependency: Bottom 83.9% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 6.08% above tier (higher cost structure)
- - Delinquency rate 0.89% above tier average
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in Oregon.
- Shares and deposits +0.6% year over year ($2.88B in shares and deposits).
- Membership: 176,438 members, +2.1% vs a year ago.
- Delinquency rate 1.72%.
- Return on assets 0.72%.
- Efficiency ratio 75.53% vs a 69.45% peer average.
- Loan-to-share ratio 77.00% vs a 90.24% 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 (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176,438
+2.1% YoY+0.3% QoQ
|
-40.1K |
216,545
-9.5% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$3.3B
+0.8% YoY+0.6% QoQ
|
$-643.2M |
$3.9B
-1.6% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$2.2B
+3.7% YoY+3.9% QoQ
|
$-714.4M |
$2.9B
-1.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.4% in tier |
| Deposits |
$2.9B
+0.6% YoY+0.1% QoQ
|
$-378.5M |
$3.3B
-2.6% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.7%
-790.3% YoY+19.1% QoQ
|
-0.2% |
0.9%
+25.3% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.2%
-1.2% YoY-0.7% QoQ
|
+1.0% |
3.2%
+3.8% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
75.5%
-15.9% YoY-0.9% QoQ
|
+6.1% |
69.5%
-2.3% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
1.7%
-14.1% YoY+44.5% QoQ
|
+0.9 |
0.8%
+5.5% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
77.0%
+3.1% YoY+3.8% QoQ
|
-13.2% |
90.2%
+0.9% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$28,880
-0.2% YoY+1.4% QoQ
|
$-2K |
$31,018
+6.9% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
23.8%
-1.1% YoY-2.6% QoQ
|
-5.3% | 29.1% | 16.7% | 20.0% | 27% |
| Indirect Auto % |
16.7%
+0.9% YoY-0.3% QoQ
|
-1.4% | 18.1% | 13.6% | 7.7% | 53% |
Signature Analysis
Strengths (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)