BlastPoint's Credit Union Scorecard

WHITE RIVER

Charter #67201 · WA

100M-500M
1070 CUs in 100M-500M nationally 17 in WA

WHITE RIVER has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?
WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.88% above tier average
  • + Share Certificate Concentration (%): Top 5.5% in tier
  • + Efficiency Ratio: Top 6.6% in tier
  • + Net Worth Ratio: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - ROA 0.58% below tier average
  • - Delinquency rate 0.60% above tier average
  • - Net Charge-Off Rate: Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 8,414
+4.7% YoY+0.1% QoQ
 -6.7K 15,145
-2.5% YoY
 67,148
+4.0% YoY
 33,913
+5.7% YoY
 21%
Assets $115.6M
-1.4% YoY-0.7% QoQ
 $-116.1M $231.7M
+0.8% YoY
 $1.3B
+6.8% YoY
 $578.3M
+9.0% YoY
 Bottom 10.5% in tier
Loans $59.2M
-3.4% YoY-1.8% QoQ
 $-85.0M $144.1M
+0.2% YoY
 $931.6M
+6.7% YoY
 $402.4M
+8.7% YoY
 Bottom 11.0% in tier
Deposits $96.3M
-2.8% YoY-0.7% QoQ
 $-104.8M $201.1M
+0.4% YoY
 $1.1B
+7.7% YoY
 $494.3M
+9.1% YoY
 Bottom 8.0% 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 0.1%
-86.8% YoY-87.9% QoQ
 -0.6% 0.7%
+5.1% YoY
 0.5%
+1.1% YoY
 0.4%
-39.2% YoY
 Bottom 14.1% in tier
NIM 5.5%
+7.4% YoY+2.9% QoQ
 +1.9% 3.6%
+4.6% YoY
 3.7%
+3.5% YoY
 3.8%
+4.1% YoY
 Top 1.2% in tier
Efficiency Ratio 58.6%
-8.0% YoY-8.4% QoQ
 -19.5% 78.0%
-1.7% YoY
 78.0%
-0.9% YoY
 84.6%
+2.8% YoY
 Top 6.6% in tier
Delinquency Rate 1.4%
+1.3% YoY-17.9% QoQ
 +0.6 0.8%
+7.1% YoY
 0.9%
+10.5% YoY
 1.2%
+3.4% YoY
 Bottom 12.8% in tier
Loan To Share 61.4%
-0.7% YoY-1.1% QoQ
 -9.0% 70.4%
-0.4% YoY
 74.8%
-1.7% YoY
 65.6%
-1.4% YoY
 29%
AMR $18,485
-7.4% YoY-1.3% QoQ
 $-6K $24,918
+2.7% YoY
 $29,247
+2.9% YoY
 $19,920
+1.6% YoY
 23%
CD Concentration 6.1%
+6.7% YoY+0.2% QoQ
 -18.2% 24.3% 22.5% 19.8% 50%
Indirect Auto % 29.2%
-11.1% YoY+1.9% QoQ
 +15.4% 13.8% 16.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#37 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.36%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

Liquidity Overhang

risk
#83 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.63%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 61.44%
(Tier: 72.31%, National: 65.58%)
worse than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY | New qualifier

Deposit Outflow

decline
#52 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.76%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 4.69%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Indirect Auto Dependency

risk
#462 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): -1.35%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 29.16%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 4.69%
(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

Credit Quality Pressure

risk
#674 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

13
Net Interest Margin (NIM)
profitability
Value: 5.51%
Peer Median: 3.62%
#13 of 1070 Top 1.1% in 100M-500M tier
60
Share Certificate Concentration (%)
balance_sheet
Value: 6.09%
Peer Median: 23.10%
#60 of 1070 Top 5.5% in 100M-500M tier
72
Efficiency Ratio
profitability
Value: 58.55%
Peer Median: 78.68%
#72 of 1070 Top 6.6% in 100M-500M tier
93
Net Worth Ratio
risk
Value: 16.63%
Peer Median: 11.45%
#93 of 1070 Top 8.6% in 100M-500M tier
122
Member Growth Rate
growth
Value: 4.69%
Peer Median: -0.06%
#122 of 1070 Top 11.3% in 100M-500M tier
179
First Mortgage Concentration (%)
balance_sheet
Value: 12.94%
Peer Median: 29.47%
#179 of 1070 Top 16.6% in 100M-500M tier

Top Weaknesses (14 metrics)

1054
Net Charge-Off Rate
risk
Value: 2.15%
Peer Median: 0.35%
#1054 of 1070 Bottom 1.6% in 100M-500M tier
1037
AMR Growth Rate
growth
Value: -7.36%
Peer Median: 3.46%
#1037 of 1070 Bottom 3.2% in 100M-500M tier
984
Deposit Growth Rate
growth
Value: -2.76%
Peer Median: 3.30%
#984 of 1070 Bottom 8.1% in 100M-500M tier
984
Total Deposits
balance_sheet
Value: $96.34M
Peer Median: $171.29M
#984 of 1070 Bottom 8.1% in 100M-500M tier
958
Total Assets
balance_sheet
Value: $115.60M
Peer Median: $196.57M
#958 of 1070 Bottom 10.6% in 100M-500M tier
957
Asset Growth Rate
growth
Value: -1.35%
Peer Median: 3.91%
#957 of 1070 Bottom 10.7% in 100M-500M tier
952
Total Loans
balance_sheet
Value: $59.19M
Peer Median: $121.41M
#952 of 1070 Bottom 11.1% in 100M-500M tier
934
Total Delinquency Rate (60+ days)
risk
Value: 1.38%
Peer Median: 0.61%
#934 of 1070 Bottom 12.8% in 100M-500M tier
919
Return on Assets (ROA)
profitability
Value: 0.15%
Peer Median: 0.69%
#919 of 1070 Bottom 14.2% in 100M-500M tier
905
Loan Growth Rate
growth
Value: -3.43%
Peer Median: 2.93%
#905 of 1070 Bottom 15.5% in 100M-500M tier
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