BlastPoint's Credit Union Scorecard

RIZE

Charter #7835 · CA

Mid-Market 1B-3B

Rize at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Rize is one of 101 credit unions in the 2026 VentureTech card set. We also found Rize's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Rize

Turn your sound on

Tap a card to see it up close

RIZE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
RIZE'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

RIZE has 5 strengths but faces 8 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 3.5% in tier
+ Net Interest Margin 0.16% above tier average
+ Strong member growth: 15.2% YoY
+ Member Growth Rate: Top 2.3% in tier
+ First Mortgage Concentration (%): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.5% in tier
- Credit Quality Pressure: Bottom 11.6% in tier
- Liquidity Strain: Bottom 22.1% in tier
- Credit Risk Growth: Bottom 24.7% in tier
- Shrinking Wallet Share: Bottom 97.3% in tier
- ROA 0.54% below tier average
- Efficiency ratio 12.62% above tier (higher cost structure)
- AMR Growth Rate: Bottom 3.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	87,161 +15.2% YoY+4.5% QoQ	-9.7K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	51%
Assets	$1.3B +3.9% YoY-1.2% QoQ	$-430.6M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	31%
Loans	$1.0B +10.2% YoY+3.3% QoQ	$-208.4M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	41%
Deposits	$1.1B +3.3% YoY-0.5% QoQ	$-408.2M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	26%

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	0.3% -21.1% YoY-184.3% QoQ	-0.5%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 9.0% in tier
NIM	3.6% +7.4% YoY+2.7% QoQ	+0.2%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	59%
Efficiency Ratio	85.6% +9.3% YoY-1.9% QoQ	+12.6%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 8.0% in tier
Delinquency Rate	0.9% +60.8% YoY-5.2% QoQ	+0.0	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	65%
Loan To Share	97.2% +6.6% YoY+3.9% QoQ	+12.5%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	81%
AMR	$23,874 -7.5% YoY-3.0% QoQ	$-6K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	23%
CD Concentration	25.9% -4.6% YoY+0.5% QoQ	-3.2%	29.1%	22.2%	20.0%	37%
Indirect Auto %	12.4% -7.0% YoY-4.0% QoQ	-5.7%	18.1%	9.2%	7.7%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#6 of 112 • Top 3.5% in tier

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

Why This Signature

Member Growth (YoY): 15.22%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 12.39%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#81 of 113 • Top 3.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 15.22%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.28%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 12.39%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#17 of 170 • Bottom 24.7% in tier

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

Why This Signature

Loan Growth (YoY): 10.15%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#11 of 69 • Bottom 97.3% in tier

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

Why This Signature

AMR Growth (YoY): -7.50%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Credit Quality Pressure

risk

#43 of 215 • Bottom 11.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Strain

risk

#61 of 168 • Bottom 22.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.22%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.15%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#44 of 71 • Bottom 7.5% in tier

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

Why This Signature

Efficiency Ratio: 85.64%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 15.22%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 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 300 peers in tier

Top Strengths (5 metrics)

Member Growth Rate

growth

Value: 15.22%

Peer Median: 1.84%

#8 of 300 Top 2.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 13.17%

Peer Median: 33.59%

#18 of 300 Top 5.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 437.995

Peer Median: 346.173

#47 of 300 Top 15.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.22%

Peer Median: 87.07%

#57 of 300 Top 18.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.15%

Peer Median: 5.71%

#72 of 300 Top 23.7% in 1B-3B tier

Top Weaknesses (6 metrics)

292

AMR Growth Rate

growth

Value: -7.50%

Peer Median: 3.19%

#292 of 300 Bottom 3.0% in 1B-3B tier

279

Net Charge-Off Rate

risk

Value: 1.15%

Peer Median: 0.52%

#279 of 300 Bottom 7.3% in 1B-3B tier

277

Efficiency Ratio

profitability

Value: 85.64%

Peer Median: 73.62%

#277 of 300 Bottom 8.0% in 1B-3B tier

273

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.77%

#273 of 300 Bottom 9.3% in 1B-3B tier

249

Fee Income Per Member

profitability

Value: $146.57

Peer Median: $204.73

#249 of 300 Bottom 17.3% in 1B-3B tier

230

Average Member Relationship (AMR)

engagement

Value: $23,874

Peer Median: $28,089

#230 of 300 Bottom 23.7% in 1B-3B tier