BlastPoint's Credit Union Scorecard

ROCK VALLEY

Charter #68687 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

ROCK VALLEY has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.58% below tier average
- Efficiency ratio 13.20% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	15,767 +1.5% YoY+0.5% QoQ	+621	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	62%
Assets	$178.3M +7.1% YoY+3.5% QoQ	$-53.5M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	43%
Loans	$136.2M +5.1% YoY+1.5% QoQ	$-7.9M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	57%
Deposits	$157.5M +8.5% YoY+4.0% QoQ	$-43.6M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	44%

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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% -89.9% YoY-84.5% QoQ	-0.6%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 13.6% in tier
NIM	3.9% +2.8% YoY-0.9% QoQ	+0.3%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	91.2% +22.4% YoY+13.6% QoQ	+13.2%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 12.7% in tier
Delinquency Rate	0.8% +20.0% YoY-11.1% QoQ	+0.1	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	67%
Loan To Share	86.5% -3.1% YoY-2.4% QoQ	+16.0%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	82%
AMR	$18,632 +5.3% YoY+2.3% QoQ	$-6K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	25%
CD Concentration	22.0% +6.8% YoY-8.2% QoQ	-2.3%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.4% +116.2% YoY+53.5% QoQ	-13.4%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#263 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#449 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth

#330 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.14%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#275 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: 91.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.27% points

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

worse than tier avg

Member Growth (YoY): 1.50%

(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 | New qualifier

Credit Quality Pressure

risk

#425 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): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#307 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.14%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

111

Fee Income Per Member

profitability

Value: $251.96

Peer Median: $154.95

#111 of 1070 Top 10.3% in 100M-500M tier

155

Deposit Growth Rate

growth

Value: 8.53%

Peer Median: 3.30%

#155 of 1070 Top 14.4% in 100M-500M tier

195

Loan-to-Share Ratio

balance_sheet

Value: 86.47%

Peer Median: 71.88%

#195 of 1070 Top 18.1% in 100M-500M tier

258

Asset Growth Rate

growth

Value: 7.06%

Peer Median: 3.91%

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (3 metrics)

935

Efficiency Ratio

profitability

Value: 91.22%

Peer Median: 78.68%

#935 of 1070 Bottom 12.7% in 100M-500M tier

924

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Median: 0.69%

#924 of 1070 Bottom 13.7% in 100M-500M tier

806

Average Member Relationship (AMR)

engagement

Value: $18,632

Peer Median: $22,931

#806 of 1070 Bottom 24.8% in 100M-500M tier