BlastPoint's Credit Union Scorecard
RIVER WORKS
Charter #66346 · MA
RIVER WORKS has 9 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 2.2% in tier
- + Wallet Share Momentum: Top 3.3% in tier
- + AMR Growth Rate: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
- + Loan Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.9% in tier
- - Membership Headwinds: Bottom 98.2% in tier
- - Stagnation Risk: Bottom 98.9% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 11.27% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Total Members: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,341
-0.6% YoY-2.8% QoQ
|
-10.1K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 4.0% in tier |
| Assets |
$184.9M
+22.2% YoY-0.2% QoQ
|
$-46.9M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$146.9M
+18.3% YoY+2.1% QoQ
|
$-477K |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$165.9M
+24.6% YoY-0.5% QoQ
|
$-34.9M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.3%
+21.7% YoY-2.0% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.9%
-2.5% YoY+2.7% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
88.3%
-3.9% YoY-0.2% QoQ
|
+11.3% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
0.6%
-48.2% YoY-34.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
88.5%
-5.0% YoY+2.6% QoQ
|
+16.3% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$58,561
+22.2% YoY+3.7% QoQ
|
+$34K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 1.5% in tier |
| CD Concentration |
56.9%
+17.0% YoY+2.9% QoQ
|
+32.5% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-56.5% YoY-17.4% QoQ
|
-13.7% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)