BlastPoint's Credit Union Scorecard
WHITE RIVER
Charter #67201 · WA
WHITE RIVER has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 1.75% above tier average
- + Share Certificate Concentration (%): Top 5.7% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 45.7% in tier
- - Stagnation Risk: Bottom 48.8% in tier
- - Liquidity Overhang: Bottom 65.7% in tier
- - Indirect Auto Dependency: Bottom 72.9% in tier
- - Shrinking Wallet Share: Bottom 84.1% in tier
- - Institutional Decline: Bottom 95.0% in tier
- - Membership Headwinds: Bottom 95.7% in tier
- - Accelerating Exit Risk: Bottom 96.4% in tier
- - Delinquency rate 0.78% above tier average
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Total Deposits: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,404
-0.7% YoY-0.8% QoQ
|
-7.0K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$116.4M
+0.9% YoY-0.4% QoQ
|
$-115.5M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.6% in tier |
| Loans |
$60.3M
-4.0% YoY-0.1% QoQ
|
$-87.0M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$97.0M
-0.5% YoY-0.8% QoQ
|
$-103.8M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.2% in tier |
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| ROA |
1.2%
-0.3% YoY-12.6% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
5.4%
+5.9% YoY+1.5% QoQ
|
+1.7% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
63.9%
+8.4% YoY+4.1% QoQ
|
-13.1% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
1.7%
+16.0% YoY+1.4% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 10.9% in tier |
| Loan To Share |
62.1%
-3.5% YoY+0.7% QoQ
|
-10.1% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$18,722
-1.1% YoY+0.3% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
6.1%
+20.1% YoY-3.0% QoQ
|
-18.3% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
28.6%
-6.3% YoY+5.8% QoQ
|
+14.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)