BlastPoint's Credit Union Scorecard
RIVERMARK COMMUNITY
Charter #65644 · OR
RIVERMARK COMMUNITY has 1 strength but faces 8 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.02% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 91.8% in tier
- - Indirect Auto Dependency: Bottom 92.4% in tier
- - Deposit Outflow: Bottom 93.4% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 4.91% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Total Loans: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
175,894
+2.1% YoY+0.6% QoQ
|
-44.5K |
220,435
-7.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$3.2B
-1.3% YoY+2.8% QoQ
|
$-674.8M |
$3.9B
-1.5% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$2.1B
-0.2% YoY-0.6% QoQ
|
$-759.5M |
$2.9B
-1.1% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.4% in tier |
| Deposits |
$2.9B
-2.2% YoY+2.9% QoQ
|
$-422.7M |
$3.3B
-2.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.6%
-189.6% YoY
|
-0.1% |
0.7%
+10.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.2%
+1.1% YoY-3.6% QoQ
|
+1.0% |
3.2%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
76.2%
-25.2% YoY-9.5% QoQ
|
+4.9% |
71.3%
-2.6% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
1.2%
-31.3% YoY-51.5% QoQ
|
+0.4 |
0.7%
+9.2% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
74.2%
+2.0% YoY-3.4% QoQ
|
-13.8% |
88.0%
+0.9% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.1% in tier |
| AMR |
$28,476
-3.4% YoY+0.8% QoQ
|
$-2K |
$30,672
+5.5% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
24.5%
+5.2% YoY+5.4% QoQ
|
-4.4% | 28.8% | 16.7% | 19.8% | 30% |
| Indirect Auto % |
16.7%
+1.1% YoY+0.6% QoQ
|
-1.3% | 18.1% | 13.7% | 7.7% | 52% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)