BlastPoint's Credit Union Scorecard

JACKSON RIVER COMMUNITY

Charter #66967 · VA

1077 CUs in 100M-500M nationally 25 in VA

JACKSON RIVER COMMUNITY has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 8.2% in tier
+ Profitability Leader: Top 8.5% in tier
+ Emerging Performer: Top 12.1% in tier
+ ROA 1.29% above tier average
+ Net Interest Margin 0.53% above tier average
+ Efficiency Ratio: Top 3.7% in tier
+ First Mortgage Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 2.3% in tier
- Delinquency rate 1.08% above tier average
- Indirect Auto Concentration (%): Bottom 2.5% in tier
- Total Loans: Bottom 6.6% in tier
- Total Delinquency Rate (60+ days): Bottom 7.9% in tier
- Total Members: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	6,771 +3.0% YoY+1.0% QoQ	-8.9K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	Bottom 9.0% in tier
Assets	$123.3M +7.0% YoY+0.5% QoQ	$-108.0M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	15%
Loans	$54.2M +6.5% YoY+1.1% QoQ	$-93.6M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	Bottom 6.5% in tier
Deposits	$104.3M +5.1% YoY-0.1% QoQ	$-96.0M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	Bottom 13.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.1% +18.4% YoY+0.3% QoQ	+1.3%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Top 2.5% in tier
NIM	4.1% +8.5% YoY+1.7% QoQ	+0.5%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	54.4% +0.1% YoY+1.5% QoQ	-22.9%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	Bottom 3.7% in tier
Delinquency Rate	1.9% -6.1% YoY+10.1% QoQ	+1.1	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	Top 7.9% in tier
Loan To Share	52.0% +1.3% YoY+1.2% QoQ	-20.7%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	Bottom 12.2% in tier
AMR	$23,409 +2.4% YoY-0.7% QoQ	$-955	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	56%
CD Concentration	14.7% +7.4% YoY+15.3% QoQ	-9.7%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	58.2% -1.4% YoY-0.8% QoQ	+44.2%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#151 of 603 • Top 8.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 2.08%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 58.20%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Profitability Leader

growth

#30 of 340 • Top 8.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.08%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth

#24 of 191 • Top 12.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.08%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#38 of 525 • Bottom 2.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.98%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 58.20%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.04%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Return on Assets (ROA)

profitability

Value: 2.08%

Peer Avg: -

#27 of 1077 Top 2.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.40%

Peer Avg: -

#41 of 1077 Top 3.7% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.53%

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

150

Net Worth Ratio

risk

Value: 15.37%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

209

Member Growth Rate

growth

Value: 3.04%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

228

Net Interest Margin (NIM)

profitability

Value: 4.11%

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

229

Share Certificate Concentration (%)

balance_sheet

Value: 14.69%

Peer Avg: -

#229 of 1077 Top 21.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1051

Indirect Auto Concentration (%)

balance_sheet

Value: 58.20%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1007

Total Loans

balance_sheet

Value: $54.22M

Peer Avg: -

#1007 of 1077 Bottom 6.6% in 100M-500M tier

993

Total Delinquency Rate (60+ days)

risk

Value: 1.94%

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

980

Total Members

engagement

Value: 6,771

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

946

Loan-to-Share Ratio

balance_sheet

Value: 52.00%

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

931

Total Deposits

balance_sheet

Value: $104.28M

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

913

Total Assets

balance_sheet

Value: $123.25M

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier