BlastPoint's Credit Union Scorecard
JACKSON RIVER COMMUNITY
Charter #66967 · VA
JACKSON RIVER COMMUNITY has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 10.5% in tier
- + Organic Growth Engine: Top 20.7% in tier
- + ROA 1.30% above tier average
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio: Top 2.9% in tier
- + First Mortgage Concentration (%): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.3% in tier
- - Delinquency rate 1.58% above tier average
- - Indirect Auto Concentration (%): Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Total Loans: Bottom 7.2% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,815
+3.4% YoY+0.6% QoQ
|
-8.6K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$127.3M
+8.6% YoY+3.3% QoQ
|
$-104.6M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$54.4M
+7.0% YoY+0.4% QoQ
|
$-92.9M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.1% in tier |
| Deposits |
$107.7M
+6.9% YoY+3.3% QoQ
|
$-93.1M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
2.1%
+14.5% YoY-1.1% QoQ
|
+1.3% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 1.9% in tier |
| NIM |
4.1%
+6.5% YoY-0.6% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
53.3%
-0.9% YoY-2.1% QoQ
|
-23.7% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
2.5%
-5.3% YoY+27.7% QoQ
|
+1.6 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
50.6%
+0.1% YoY-2.8% QoQ
|
-21.7% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.4% in tier |
| AMR |
$23,790
+3.4% YoY+1.6% QoQ
|
$-886 |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
15.0%
+0.7% YoY+2.0% QoQ
|
-9.5% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
57.8%
-1.5% YoY-0.6% QoQ
|
+44.0% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)