BlastPoint's Credit Union Scorecard

RHODE ISLAND

Charter #67269 · RI

100M-500M

1070 CUs in 100M-500M nationally 3 in RI

RHODE ISLAND has 5 strengths but faces 5 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

+ Net Interest Margin 0.16% above tier average
+ Total Loans: Top 4.9% in tier
+ Total Deposits: Top 5.7% in tier
+ Total Assets: Top 7.0% in tier
+ Total Members: Top 8.2% 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 0.59% below tier average
- Efficiency ratio 14.08% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	27,935 +1.6% YoY+0.9% QoQ	+12.8K	15,145 -2.5% YoY	36,204 +9.0% YoY	33,913 +5.7% YoY	Top 8.3% in tier
Assets	$426.8M +2.2% YoY+2.0% QoQ	+$195.1M	$231.7M +0.8% YoY	$787.6M +11.2% YoY	$578.3M +9.0% YoY	Top 7.1% in tier
Loans	$310.0M +9.9% YoY+3.0% QoQ	+$165.8M	$144.1M +0.2% YoY	$657.2M +10.2% YoY	$402.4M +8.7% YoY	Top 5.0% in tier
Deposits	$377.6M +2.2% YoY+2.0% QoQ	+$176.5M	$201.1M +0.4% YoY	$658.7M +12.2% YoY	$494.3M +9.1% YoY	Top 5.8% 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% +108.5% YoY	-0.6%	0.7% +5.1% YoY	0.4% +126.0% YoY	0.4% -39.2% YoY	Bottom 13.4% in tier
NIM	3.8% +19.1% YoY+8.7% QoQ	+0.2%	3.6% +4.6% YoY	3.0% +2.3% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	92.1% -2.0% YoY-2.4% QoQ	+14.1%	78.0% -1.7% YoY	87.4% -0.7% YoY	84.6% +2.8% YoY	Bottom 11.0% in tier
Delinquency Rate	0.3% -9.0% YoY-32.0% QoQ	-0.5	0.8% +7.1% YoY	0.4% -7.6% YoY	1.2% +3.4% YoY	23%
Loan To Share	82.1% +7.6% YoY+1.0% QoQ	+11.7%	70.4% -0.4% YoY	77.1% +1.0% YoY	65.6% -1.4% YoY	73%
AMR	$24,614 +3.9% YoY+1.5% QoQ	$-304	$24,918 +2.7% YoY	$26,738 +8.0% YoY	$19,920 +1.6% YoY	59%
CD Concentration	23.2% +0.5% YoY-0.3% QoQ	-1.0%	24.3%	27.4%	19.8%	50%
Indirect Auto %	39.9% +10.1% YoY+4.3% QoQ	+26.1%	13.8%	10.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#25 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 92.11%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.57%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#254 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): 2.23%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 39.94%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.57%

(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

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 1070 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $309.98M

Peer Median: $121.41M

#53 of 1070 Top 4.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $377.62M

Peer Median: $171.29M

#62 of 1070 Top 5.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $426.77M

Peer Median: $196.57M

#76 of 1070 Top 7.0% in 100M-500M tier

Total Members

engagement

Value: 27,935

Peer Median: 13,200

#89 of 1070 Top 8.2% in 100M-500M tier

183

Loan Growth Rate

growth

Value: 9.92%

Peer Median: 2.93%

#183 of 1070 Top 17.0% in 100M-500M tier

249

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (4 metrics)

985

Indirect Auto Concentration (%)

balance_sheet

Value: 39.94%

Peer Median: 6.61%

#985 of 1070 Bottom 8.0% in 100M-500M tier

962

Fee Income Per Member

profitability

Value: $80.92

Peer Median: $154.95

#962 of 1070 Bottom 10.2% in 100M-500M tier

953

Efficiency Ratio

profitability

Value: 92.11%

Peer Median: 78.68%

#953 of 1070 Bottom 11.0% in 100M-500M tier

927

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: 0.69%

#927 of 1070 Bottom 13.5% in 100M-500M tier