BlastPoint's Credit Union Scorecard

JACKSON RIVER COMMUNITY

Charter #66967 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

JACKSON RIVER COMMUNITY has 6 strengths but faces 5 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 1.58% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio: Top 3.4% in tier
+ First Mortgage Concentration (%): Top 6.9% in tier
+ Fee Income Per Member: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.83% above tier average
- Indirect Auto Concentration (%): Bottom 2.4% in tier
- Total Loans: Bottom 8.0% in tier
- Total Delinquency Rate (60+ days): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	6,872 +3.4% YoY+0.8% QoQ	-8.3K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Bottom 10.5% in tier
Assets	$131.9M +7.1% YoY+3.7% QoQ	$-99.8M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	21%
Loans	$54.1M +3.9% YoY-0.7% QoQ	$-90.1M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	Bottom 7.9% in tier
Deposits	$111.2M +5.5% YoY+3.3% QoQ	$-89.9M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	18%

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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	2.3% +29.9% YoY+11.9% QoQ	+1.6%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Top 1.8% in tier
NIM	4.0% +3.1% YoY-2.9% QoQ	+0.3%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	53.3% -3.4% YoY+0.1% QoQ	-24.7%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Top 3.4% in tier
Delinquency Rate	1.6% -8.0% YoY-35.3% QoQ	+0.8	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 9.6% in tier
Loan To Share	48.6% -1.5% YoY-3.8% QoQ	-21.8%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Bottom 10.7% in tier
AMR	$24,057 +1.6% YoY+1.1% QoQ	$-861	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	56%
CD Concentration	14.9% +13.5% YoY-0.8% QoQ	-9.4%	24.3%	18.0%	19.8%	50%
Indirect Auto %	58.4% -1.6% YoY+1.1% QoQ	+44.6%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#20 of 157 • Top 50.0% 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: 2.30%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.37%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#47 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.09%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 58.44%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.37%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (9 metrics)

Return on Assets (ROA)

profitability

Value: 2.30%

Peer Median: 0.69%

#19 of 1070 Top 1.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 53.33%

Peer Median: 78.68%

#37 of 1070 Top 3.4% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.00%

Peer Median: 29.47%

#75 of 1070 Top 6.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $267.66

Peer Median: $154.95

#84 of 1070 Top 7.8% in 100M-500M tier

139

Net Worth Ratio

risk

Value: 15.34%

Peer Median: 11.45%

#139 of 1070 Top 12.9% in 100M-500M tier

189

Member Growth Rate

growth

Value: 3.37%

Peer Median: -0.06%

#189 of 1070 Top 17.6% in 100M-500M tier

205

Members Per Employee (MPE)

engagement

Value: 404.235

Peer Median: 309.176

#205 of 1070 Top 19.1% in 100M-500M tier

234

Share Certificate Concentration (%)

balance_sheet

Value: 14.86%

Peer Median: 23.10%

#234 of 1070 Top 21.8% in 100M-500M tier

254

Asset Growth Rate

growth

Value: 7.09%

Peer Median: 3.91%

#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1045

Indirect Auto Concentration (%)

balance_sheet

Value: 58.44%

Peer Median: 6.61%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

985

Total Loans

balance_sheet

Value: $54.08M

Peer Median: $121.41M

#985 of 1070 Bottom 8.0% in 100M-500M tier

968

Total Delinquency Rate (60+ days)

risk

Value: 1.60%

Peer Median: 0.61%

#968 of 1070 Bottom 9.6% in 100M-500M tier

957

Total Members

engagement

Value: 6,872

Peer Median: 13,200

#957 of 1070 Bottom 10.7% in 100M-500M tier

956

Loan-to-Share Ratio

balance_sheet

Value: 48.62%

Peer Median: 71.88%

#956 of 1070 Bottom 10.7% in 100M-500M tier

880

Total Deposits

balance_sheet

Value: $111.24M

Peer Median: $171.29M

#880 of 1070 Bottom 17.9% in 100M-500M tier

849

Total Assets

balance_sheet

Value: $131.94M

Peer Median: $196.57M

#849 of 1070 Bottom 20.7% in 100M-500M tier