BlastPoint's Credit Union Scorecard

RHODE ISLAND

Charter #67269 · RI

1077 CUs in 100M-500M nationally 3 in RI

RHODE ISLAND has 5 strengths but faces 8 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

+ Credit Quality Leader: Top 91.5% in tier
+ Total Loans: Top 8.0% in tier
+ Total Deposits: Top 8.4% in tier
+ Total Assets: Top 9.3% in tier
+ Total Members: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.6% in tier
- Indirect Auto Dependency: Bottom 16.6% in tier
- Credit Quality Pressure: Bottom 17.2% in tier
- Credit Risk Growth: Bottom 23.7% in tier
- Membership Headwinds: Bottom 27.2% in tier
- Stagnation Risk: Bottom 32.0% in tier
- ROA 0.76% below tier average
- Efficiency ratio 16.88% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	27,479 -1.2% YoY+0.0% QoQ	+11.9K	15,628 -3.4% YoY	35,904 +9.4% YoY	33,089 +6.1% YoY	Top 9.8% in tier
Assets	$410.1M +0.6% YoY-1.6% QoQ	+$178.8M	$231.3M -0.0% YoY	$771.6M +10.6% YoY	$547.7M +7.8% YoY	Top 9.4% in tier
Loans	$286.5M +2.6% YoY+0.7% QoQ	+$138.7M	$147.8M -1.4% YoY	$651.4M +12.0% YoY	$388.7M +8.6% YoY	Top 8.1% in tier
Deposits	$362.6M +0.6% YoY-1.8% QoQ	+$162.4M	$200.3M -0.0% YoY	$641.8M +11.9% YoY	$464.6M +9.3% YoY	Top 8.4% 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% -97.3% YoY-61.4% QoQ	-0.8%	0.8% +15.5% YoY	0.5% -21.3% YoY	0.7% +273.4% YoY	Bottom 7.7% in tier
NIM	3.4% +13.3% YoY+4.0% QoQ	-0.2%	3.6% +6.9% YoY	2.9% +1.1% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	94.2% +29.9% YoY+0.4% QoQ	+16.9%	77.3% -3.0% YoY	83.0% +4.4% YoY	79.1% -3.3% YoY	Top 5.5% in tier
Delinquency Rate	0.4% +66.1% YoY-9.3% QoQ	-0.5	0.9% +7.6% YoY	0.5% -36.2% YoY	1.2% -0.9% YoY	23%
Loan To Share	79.0% +2.0% YoY+2.6% QoQ	+6.3%	72.7% -1.5% YoY	78.6% +0.3% YoY	68.0% -1.7% YoY	60%
AMR	$23,623 +2.6% YoY-0.8% QoQ	$-741	$24,363 +2.9% YoY	$26,126 +7.2% YoY	$19,418 +1.3% YoY	57%
CD Concentration	22.3% -1.6% YoY-3.8% QoQ	-2.1%	24.4% +4.2% YoY	27.4% +6.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	36.7% +4.4% YoY+1.1% QoQ	+22.7%	14.0% -5.7% YoY	10.6% +7.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#311 of 340 • Top 91.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk

#170 of 521 • Bottom 9.6% in tier

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

Why This Signature

Efficiency Ratio: 94.16%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.11% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#267 of 525 • Bottom 16.6% in tier

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

Why This Signature

Asset Growth (YoY): 0.55%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 36.66%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#425 of 736 • Bottom 17.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#355 of 446 • Bottom 23.7% in tier

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

Why This Signature

Loan Growth (YoY): 2.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline

#449 of 550 • Bottom 27.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#527 of 550 • Bottom 32.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.55%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $286.49M

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $362.64M

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

101

Total Assets

balance_sheet

Value: $410.09M

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

106

Total Members

engagement

Value: 27,479

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

253

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1019

Efficiency Ratio

profitability

Value: 94.16%

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

994

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

963

Indirect Auto Concentration (%)

balance_sheet

Value: 36.66%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

954

Fee Income Per Member

profitability

Value: $89.76

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier

842

Asset Growth Rate

growth

Value: 0.55%

Peer Avg: -

#842 of 1077 Bottom 21.9% in 100M-500M tier

830

Deposit Growth Rate

growth

Value: 0.57%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier