RIVERMARK COMMUNITY

Charter #65644 | OR

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in OR

RIVERMARK COMMUNITY has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.1% in tier
  • + Relationship Depth Leader: Top 0.4% in tier
  • + Net Interest Margin 1.13% above tier average
  • + Strong member growth: 86.4% YoY
  • + Loan Growth Rate: Top 0.0% in tier
  • + AMR Growth Rate: Top 0.0% in tier
  • + Member Growth Rate: Top 1.3% in tier
  • + Asset Growth Rate: Top 1.3% in tier
  • + Deposit Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 22.2% in tier
  • - Indirect Auto Dependency: Bottom 22.2% in tier
  • - ROA 1.03% below tier average
  • - Efficiency ratio 15.80% above tier (higher cost structure)
  • - Delinquency rate 1.31% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
  • - Total Loans: Bottom 6.6% in tier
  • - Total Assets: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 172,439
+86.4% YoY-0.2% QoQ
 -66.0K 238,465
+0.6% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 18.4% in tier
Assets $3.2B
+95.1% YoY-0.8% QoQ
 $-761.8M $4.0B
-0.1% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 Bottom 7.9% in tier
Loans $2.1B
+145.7% YoY-1.6% QoQ
 $-915.0M $3.0B
+3.3% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Bottom 5.3% in tier
Deposits $2.8B
+114.4% YoY-1.1% QoQ
 $-502.7M $3.3B
+1.1% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Bottom 17.1% in tier
ROA -0.3%
-205.8% YoY+170.9% QoQ
 -1.0% 0.7%
+5.3% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 Bottom 2.6% in tier
NIM 4.3%
+48.6% YoY+2.0% QoQ
 +1.1% 3.2%
+13.7% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 3.9% in tier
Efficiency Ratio 87.1%
+4.6% YoY-3.1% QoQ
 +15.8% 71.3%
-0.6% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 6.6% in tier
Delinquency Rate 2.2%
-19.4% YoY+7.6% QoQ
 +1.3 0.8%
+15.9% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Top 5.3% in tier
Loan To Share 74.3%
+14.6% YoY-0.5% QoQ
 -16.5% 90.8%
+2.0% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 Bottom 10.5% in tier
AMR $28,616
+21.7% YoY-1.1% QoQ
 $-472 $29,088
+0.1% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 24.2%
+83.3% YoY+0.6% QoQ
 -4.7% 29.0%
+0.8% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 16.8%
+14806.0% YoY+1.7% QoQ
 -2.0% 18.8%
-2.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#2 of 264 • Top 0.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 21.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#4 of 264 • Top 0.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 21.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.6K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (2)

Efficiency Drag

risk
#74 of 96 • Bottom 22.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.07%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.55% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 86.37%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#138 of 202 • Bottom 22.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 95.05%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.83%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 86.37%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (7 metrics)

1
Loan Growth Rate
growth
Value: 145.74%
Peer Avg: 9.56%
#1 of 76 Top 0.0% in 3B-5B tier
1
AMR Growth Rate
growth
Value: 21.67%
Peer Avg: 2.07%
#1 of 76 Top 0.0% in 3B-5B tier
2
Member Growth Rate
growth
Value: 86.37%
Peer Avg: 7.02%
#2 of 76 Top 1.3% in 3B-5B tier
2
Asset Growth Rate
growth
Value: 95.05%
Peer Avg: 7.42%
#2 of 76 Top 1.3% in 3B-5B tier
2
Deposit Growth Rate
growth
Value: 114.44%
Peer Avg: 8.84%
#2 of 76 Top 1.3% in 3B-5B tier
3
Net Interest Margin (NIM)
profitability
Value: 4.33%
Peer Avg: 3.20%
#3 of 76 Top 2.6% in 3B-5B tier
16
Share Certificate Concentration (%)
balance_sheet
Value: 24.24%
Peer Avg: 30.70%
#16 of 76 Top 19.7% in 3B-5B tier

Top Weaknesses (11 metrics)

74
Return on Assets (ROA)
profitability
Value: -0.28%
Peer Avg: 0.75%
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Total Delinquency Rate (60+ days)
risk
Value: 2.16%
Peer Avg: 0.84%
#73 of 76 Bottom 5.3% in 3B-5B tier
72
Efficiency Ratio
profitability
Value: 87.07%
Peer Avg: 71.26%
#72 of 76 Bottom 6.6% in 3B-5B tier
72
Total Loans
balance_sheet
Value: $2.10B
Peer Avg: $3.02B
#72 of 76 Bottom 6.6% in 3B-5B tier
70
Total Assets
balance_sheet
Value: $3.21B
Peer Avg: $3.97B
#70 of 76 Bottom 9.2% in 3B-5B tier
68
Loan-to-Share Ratio
balance_sheet
Value: 74.34%
Peer Avg: 90.85%
#68 of 76 Bottom 11.8% in 3B-5B tier
68
Members Per Employee (MPE)
engagement
Value: 294.768
Peer Avg: 433.941
#68 of 76 Bottom 11.8% in 3B-5B tier
67
Fee Income Per Member
profitability
Value: $100.14
Peer Avg: $191.96
#67 of 76 Bottom 13.2% in 3B-5B tier
63
Total Deposits
balance_sheet
Value: $2.83B
Peer Avg: $3.33B
#63 of 76 Bottom 18.4% in 3B-5B tier
62
Total Members
engagement
Value: 172,439
Peer Avg: 238,466
#62 of 76 Bottom 19.7% in 3B-5B tier