BlastPoint's Credit Union Scorecard
RIVER WORKS
Charter #66346 · MA
RIVER WORKS has 8 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
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 3.1% in tier
- + Deposit Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 1.95% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Total Members: Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,341
-1.6% YoY0% QoQ
|
-9.8K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 4.5% in tier |
| Assets |
$189.8M
+11.4% YoY+2.6% QoQ
|
$-41.9M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$148.6M
+13.1% YoY+1.2% QoQ
|
+$4.5M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$172.6M
+13.8% YoY+4.1% QoQ
|
$-28.5M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
0.7%
+48.1% YoY+111.3% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.0%
-1.7% YoY+4.2% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
80.0%
-8.5% YoY-9.4% QoQ
|
+2.0% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.6%
+0.6% YoY-5.0% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
86.1%
-0.7% YoY-2.8% QoQ
|
+15.7% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$60,147
+15.4% YoY+2.7% QoQ
|
+$35K |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 1.4% in tier |
| CD Concentration |
56.9%
+12.8% YoY-0.2% QoQ
|
+32.6% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-57.8% YoY-20.1% QoQ
|
-13.7% | 13.8% | 2.3% | 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 (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)