BlastPoint's Credit Union Scorecard
RHODE ISLAND
Charter #67269 · RI
RHODE ISLAND has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Total Loans: Top 4.0% in tier
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 7.6% in tier
- + Total Members: Top 7.9% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 13.58% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
- - Fee Income Per Member: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 3 that size in Rhode Island.
- Shares and deposits +1.5% year over year ($375M in shares and deposits).
- Membership: 28,167 members, +2.5% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 0.26%.
- Efficiency ratio 90.31% vs a 76.73% peer average.
- Loan-to-share ratio 86.25% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,167
+2.5% YoY+0.8% QoQ
|
+13.0K |
15,168
-2.6% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
Top 8.0% in tier |
| Assets |
$425.1M
+2.0% YoY-0.4% QoQ
|
+$193.1M |
$232.0M
+0.7% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 7.7% in tier |
| Loans |
$323.5M
+13.7% YoY+4.4% QoQ
|
+$177.3M |
$146.3M
+0.2% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.1% in tier |
| Deposits |
$375.1M
+1.5% YoY-0.7% QoQ
|
+$174.4M |
$200.7M
+0.2% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Top 6.2% in tier |
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| ROA |
0.3%
+231.8% YoY+96.3% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.9% in tier |
| NIM |
3.9%
+19.5% YoY+2.9% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
90.3%
-3.7% YoY-2.0% QoQ
|
+13.6% |
76.7%
-0.8% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.4%
-6.6% YoY+19.9% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
86.2%
+12.0% YoY+5.1% QoQ
|
+14.7% |
71.5%
-0.3% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$24,803
+4.2% YoY+0.8% QoQ
|
$-303 |
$25,107
+3.2% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
22.9%
-1.1% YoY-1.3% QoQ
|
-1.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
39.1%
+7.9% YoY-2.0% QoQ
|
+25.5% | 13.6% | 10.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)