BlastPoint's Credit Union Scorecard
RIVERMARK COMMUNITY
Charter #65644 · OR
RIVERMARK COMMUNITY has 1 strength but faces 14 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.1% in tier
- - Stagnation Risk: Bottom 13.1% in tier
- - Membership Headwinds: Bottom 45.2% in tier
- - Efficiency Drag: Bottom 52.8% in tier
- - Indirect Auto Dependency: Bottom 98.0% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 12.78% above tier (higher cost structure)
- - Delinquency rate 1.58% above tier average
- - Member decline: -2.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Total Loans: Bottom 7.9% in tier
- - Member Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
174,887
-2.7% YoY+1.4% QoQ
|
-55.5K |
230,353
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$3.2B
-5.4% YoY-1.8% QoQ
|
$-788.5M |
$3.9B
+0.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$2.1B
-0.1% YoY+2.1% QoQ
|
$-787.7M |
$2.9B
-0.2% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.6% in tier |
| Deposits |
$2.8B
-5.0% YoY-1.2% QoQ
|
$-515.6M |
$3.3B
-0.3% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.0%
-82.8% YoY-82.4% QoQ
|
-0.8% |
0.7%
+16.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.3% in tier |
| NIM |
4.4%
+33.9% YoY+1.1% QoQ
|
+1.2% |
3.1%
+9.8% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
84.2%
-2.4% YoY-3.3% QoQ
|
+12.8% |
71.4%
-1.4% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
2.5%
+35.7% YoY+13.9% QoQ
|
+1.6 |
0.9%
+5.8% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
76.8%
+5.1% YoY+3.4% QoQ
|
-12.1% |
88.9%
-0.2% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$28,262
-0.2% YoY-1.2% QoQ
|
$-1K |
$29,682
+1.5% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
23.2%
-4.0% YoY-4.3% QoQ
|
-5.8% | 29.0% | 16.6% | 19.8% | 25% |
| Indirect Auto % |
16.6%
+1.3% YoY-1.1% QoQ
|
-1.7% | 18.3% | 13.7% | 7.8% | 51% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)