BlastPoint's Credit Union Scorecard

RIZE

Charter #7835 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

RIZE has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 9.9% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.19% above tier average
+ Strong member growth: 10.9% YoY
+ First Mortgage Concentration (%): Top 4.3% in tier
+ Member Growth Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.2% in tier
- Shrinking Wallet Share: Bottom 44.9% in tier
- ROA 0.47% below tier average
- Efficiency ratio 5.38% above tier (higher cost structure)
- Delinquency rate 0.02% above tier average
- AMR Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	80,460 +10.9% YoY+3.0% QoQ	-17.0K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	41%
Assets	$1.3B +5.5% YoY+1.6% QoQ	$-457.5M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	28%
Loans	$997.4M +12.0% YoY+4.3% QoQ	$-237.1M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	36%
Deposits	$1.0B +3.1% YoY+0.4% QoQ	$-436.5M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	21%

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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	0.2% -40.3% YoY-1.7% QoQ	-0.5%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 11.9% in tier
NIM	3.5% +11.3% YoY+0.8% QoQ	+0.2%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	61%
Efficiency Ratio	79.4% -0.7% YoY+0.7% QoQ	+5.4%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.9% -4.8% YoY+42.5% QoQ	+0.0	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	64%
Loan To Share	97.5% +8.6% YoY+3.8% QoQ	+12.7%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	82%
AMR	$25,108 -3.3% YoY-0.7% QoQ	$-4K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	33%
CD Concentration	27.5% +6.2% YoY-0.2% QoQ	-1.5%	29.0%	21.7%	19.8%	45%
Indirect Auto %	12.8% -6.6% YoY-2.3% QoQ	-5.5%	18.3%	9.2%	7.8%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#15 of 142 • Top 9.9% in tier

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

Why This Signature

Member Growth (YoY): 10.94%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 12.84%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#124 of 247 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.94%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.22%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 12.84%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#36 of 166 • Bottom 21.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.51%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 11.99%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#36 of 79 • Bottom 44.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.25%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | 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 302 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 12.47%

Peer Median: -

#14 of 302 Top 4.3% in 1B-3B tier

Member Growth Rate

growth

Value: 10.94%

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.99%

Peer Median: -

#40 of 302 Top 12.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 437.283

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.51%

Peer Median: -

#56 of 302 Top 18.2% in 1B-3B tier

Top Weaknesses (3 metrics)

275

AMR Growth Rate

growth

Value: -3.25%

Peer Median: -

#275 of 302 Bottom 9.3% in 1B-3B tier

266

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: -

#266 of 302 Bottom 12.3% in 1B-3B tier

238

Total Deposits

balance_sheet

Value: $1.02B

Peer Median: -

#238 of 302 Bottom 21.5% in 1B-3B tier