BlastPoint's Credit Union Scorecard
RIVER WORKS
Charter #66346 · MA
RIVER WORKS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Charge-Off Rate: Top 1.1% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 7.73% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits +2.5% year over year ($174M in shares and deposits).
- Membership: 5,374 members, -2.2% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 0.54%.
- Efficiency ratio 84.46% vs a 76.73% peer average.
- Loan-to-share ratio 93.54% vs a 71.54% 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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,374
-2.2% YoY+0.6% QoQ
|
-9.8K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 4.4% in tier |
| Assets |
$192.9M
+3.4% YoY+1.7% QoQ
|
$-39.1M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$162.4M
+12.5% YoY+9.3% QoQ
|
+$16.1M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$173.6M
+2.5% YoY+0.6% QoQ
|
$-27.1M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.5%
+62.8% YoY-25.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.1%
+7.0% YoY+2.3% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
84.5%
-5.9% YoY+5.6% QoQ
|
+7.7% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.8%
+136.3% YoY+46.9% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
93.5%
+9.8% YoY+8.7% QoQ
|
+22.0% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 8.3% in tier |
| AMR |
$62,531
+9.5% YoY+4.0% QoQ
|
+$37K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 1.2% in tier |
| CD Concentration |
57.2%
+4.2% YoY+0.6% QoQ
|
+32.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
0.1%
-54.5% YoY-19.1% QoQ
|
-13.5% | 13.6% | 2.4% | 7.7% | 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 (6)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)