BlastPoint's Credit Union Scorecard

ROCK VALLEY

Charter #68687 · IL

100M-500M

1069 CUs in 100M-500M nationally 30 in IL

ROCK VALLEY has 6 strengths but faces 4 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.37% above tier average
+ Fee Income Per Member: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.29% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	15,693 +1.1% YoY+0.2% QoQ	+255	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	61%
Assets	$172.3M +6.2% YoY+3.1% QoQ	$-59.6M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	40%
Loans	$134.2M +3.0% YoY+1.2% QoQ	$-13.1M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	55%
Deposits	$151.5M +8.7% YoY+3.4% QoQ	$-49.3M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	42%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +170.8% YoY-24.1% QoQ	+0.2%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	63%
NIM	4.0% +13.0% YoY+1.1% QoQ	+0.4%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	80.3% -10.3% YoY+3.3% QoQ	+3.3%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	61%
Delinquency Rate	0.9% +39.4% YoY+10.9% QoQ	+0.0	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	66%
Loan To Share	88.6% -5.2% YoY-2.2% QoQ	+16.4%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	82%
AMR	$18,208 +4.8% YoY+2.1% QoQ	$-6K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	22%
CD Concentration	24.0% +11.4% YoY+2.8% QoQ	-0.5%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.3% +14.8% YoY-11.9% QoQ	-13.5%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#394 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.92%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.25%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#344 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.25%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#165 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.92%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#281 of 705 • 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): 0.27% 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 improving

Credit Risk Growth

risk

#296 of 456 • 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): 3.01%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.27% 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

Efficiency Drag

risk

#485 of 538 • 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: 80.31%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.58% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $301.93

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

184

Deposit Growth Rate

growth

Value: 8.70%

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

189

Loan-to-Share Ratio

balance_sheet

Value: 88.62%

Peer Median: -

#189 of 1069 Top 17.6% in 100M-500M tier

Top Weaknesses (1 metrics)

829

Average Member Relationship (AMR)

engagement

Value: $18,208

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier