BlastPoint's Credit Union Scorecard
RIZE
Charter #7835 · CA
RIZE has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.8% in tier
- + Organic Growth Engine: Top 17.8% in tier
- + Net Interest Margin 0.18% above tier average
- + Strong member growth: 9.1% YoY
- + First Mortgage Concentration (%): Top 3.6% in tier
- + Member Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.0% in tier
- - Shrinking Wallet Share: Bottom 25.1% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 4.93% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,142
+9.1% YoY+3.3% QoQ
|
-20.5K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$1.2B
+7.8% YoY+0.0% QoQ
|
$-474.0M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$956.7M
+11.7% YoY+2.7% QoQ
|
$-276.4M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$1.0B
+4.9% YoY-0.2% QoQ
|
$-435.6M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-38.9% YoY-37.5% QoQ
|
-0.5% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.2% in tier |
| NIM |
3.4%
+9.1% YoY+3.2% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
78.9%
-0.4% YoY+0.7% QoQ
|
+4.9% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.6%
-6.2% YoY+16.2% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
93.9%
+6.5% YoY+3.0% QoQ
|
+8.7% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$25,279
-0.9% YoY-2.1% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
27.6%
+8.7% YoY+1.5% QoQ
|
-1.4% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
45% |
| Indirect Auto % |
13.1%
-12.1% YoY-1.3% QoQ
|
-5.6% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)