BlastPoint's Credit Union Scorecard

RHODE ISLAND

Charter #67269 · RI

1069 CUs in 100M-500M nationally 3 in RI

RHODE ISLAND has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?
RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 100.0% in tier
  • + Total Loans: Top 6.2% in tier
  • + Total Deposits: Top 6.9% in tier
  • + Total Assets: Top 8.1% in tier
  • + Total Members: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 21.4% in tier
  • - Indirect Auto Dependency: Bottom 52.3% in tier
  • - Credit Risk Growth: Bottom 69.0% in tier
  • - Credit Quality Pressure: Bottom 84.5% in tier
  • - ROA 0.73% below tier average
  • - Efficiency ratio 17.36% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 27,680
+0.7% YoY+0.7% QoQ
 +12.2K 15,437
-2.9% YoY
 35,881
+9.1% YoY
 33,374
+5.7% YoY
 Top 9.1% in tier
Assets $418.5M
+1.8% YoY+2.1% QoQ
 +$186.6M $231.9M
+1.3% YoY
 $774.2M
+10.8% YoY
 $561.6M
+9.7% YoY
 Top 8.2% in tier
Loans $300.9M
+7.9% YoY+5.0% QoQ
 +$153.5M $147.3M
-0.1% YoY
 $651.4M
+11.4% YoY
 $397.0M
+8.8% YoY
 Top 6.3% in tier
Deposits $370.2M
+1.9% YoY+2.1% QoQ
 +$169.4M $200.8M
+0.8% YoY
 $643.2M
+11.9% YoY
 $477.3M
+9.7% YoY
 Top 7.0% 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 0.0%
-96.2% YoY+2.7% QoQ
 -0.7% 0.8%
+18.2% YoY
 0.5%
-9.1% YoY
 0.7%
+15.9% YoY
 Bottom 7.3% in tier
NIM 3.5%
+15.6% YoY+2.7% QoQ
 -0.1% 3.6%
+6.7% YoY
 3.0%
+1.1% YoY
 3.8%
+5.1% YoY
 42%
Efficiency Ratio 94.4%
+20.4% YoY+0.2% QoQ
 +17.4% 77.0%
-3.1% YoY
 84.1%
+1.5% YoY
 79.7%
-3.3% YoY
 Top 4.6% in tier
Delinquency Rate 0.5%
+12.0% YoY+26.4% QoQ
 -0.4 0.9%
+4.2% YoY
 0.5%
-30.0% YoY
 1.3%
-2.1% YoY
 29%
Loan To Share 81.3%
+5.9% YoY+2.9% QoQ
 +9.0% 72.2%
-1.1% YoY
 78.0%
+0.8% YoY
 67.4%
-1.7% YoY
 67%
AMR $24,244
+3.8% YoY+2.6% QoQ
 $-432 $24,676
+3.4% YoY
 $26,466
+8.1% YoY
 $19,687
+2.0% YoY
 59%
CD Concentration 23.3%
+0.2% YoY+4.4% QoQ
 -1.1% 24.4% 27.7% 19.8% 50%
Indirect Auto % 38.3%
+9.2% YoY+4.5% QoQ
 +24.5% 13.8% 10.6% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#595 of 595 • Top 100.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.67%
(Tier: 0.69%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.03%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 38.31%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk
#116 of 538 • Bottom 21.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 94.37%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.79% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 0.67%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#265 of 506 • Bottom 52.3% in tier

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

Why This Signature
Asset Growth (YoY): 1.80%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 38.31%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 0.67%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk
#315 of 456 • Bottom 69.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.95%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#596 of 705 • Bottom 84.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 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)

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

67
Total Loans
balance_sheet
Value: $300.87M
Peer Median: -
#67 of 1069 Top 6.2% in 100M-500M tier
75
Total Deposits
balance_sheet
Value: $370.20M
Peer Median: -
#75 of 1069 Top 6.9% in 100M-500M tier
88
Total Assets
balance_sheet
Value: $418.49M
Peer Median: -
#88 of 1069 Top 8.1% in 100M-500M tier
97
Total Members
engagement
Value: 27,680
Peer Median: -
#97 of 1069 Top 9.0% in 100M-500M tier
263
Loan Growth Rate
growth
Value: 7.95%
Peer Median: -
#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1021
Efficiency Ratio
profitability
Value: 94.37%
Peer Median: -
#1021 of 1069 Bottom 4.6% in 100M-500M tier
991
Return on Assets (ROA)
profitability
Value: 0.03%
Peer Median: -
#991 of 1069 Bottom 7.4% in 100M-500M tier
974
Indirect Auto Concentration (%)
balance_sheet
Value: 38.31%
Peer Median: -
#974 of 1069 Bottom 9.0% in 100M-500M tier
958
Fee Income Per Member
profitability
Value: $89.61
Peer Median: -
#958 of 1069 Bottom 10.5% in 100M-500M tier
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