BlastPoint's Credit Union Scorecard

RIZE

Charter #7835 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 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 5.8% in tier
+ Net Interest Margin 0.13% above tier average
+ Strong member growth: 13.1% YoY
+ Member Growth Rate: Top 4.9% in tier
+ First Mortgage Concentration (%): Top 6.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.1% in tier
- Credit Quality Pressure: Bottom 16.6% in tier
- Liquidity Strain: Bottom 26.1% in tier
- Credit Risk Growth: Bottom 28.2% in tier
- Shrinking Wallet Share: Bottom 96.1% in tier
- ROA 1.05% below tier average
- Efficiency ratio 12.65% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	83,435 +13.1% YoY+3.7% QoQ	-12.6K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	46%
Assets	$1.3B +5.6% YoY+3.4% QoQ	$-410.6M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	31%
Loans	$992.9M +9.0% YoY-0.4% QoQ	$-220.8M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	38%
Deposits	$1.1B +2.9% YoY+3.7% QoQ	$-404.6M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	26%

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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	-0.3% -173.5% YoY-252.2% QoQ	-1.0%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 0.3% in tier
NIM	3.5% +8.7% YoY+0.5% QoQ	+0.1%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	87.3% +14.8% YoY+9.9% QoQ	+12.6%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 9.2% in tier
Delinquency Rate	0.9% +31.5% YoY+2.5% QoQ	+0.2	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	76%
Loan To Share	93.6% +6.0% YoY-4.0% QoQ	+10.4%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	77%
AMR	$24,616 -6.5% YoY-2.0% QoQ	$-5K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	28%
CD Concentration	25.8% +0.4% YoY-6.2% QoQ	-3.1%	28.8%	21.6%	19.8%	38%
Indirect Auto %	12.9% -3.6% YoY+0.5% QoQ	-5.2%	18.1%	9.0%	7.7%	44%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#9 of 116 • Top 5.8% in tier

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

Why This Signature

Member Growth (YoY): 13.06%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 12.91%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#16 of 82 • Bottom 96.1% in tier

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

Why This Signature

AMR Growth (YoY): -6.46%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Risk Growth

risk

#37 of 183 • Bottom 28.2% in tier

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

Why This Signature

Loan Growth (YoY): 9.02%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#63 of 225 • Bottom 16.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Liquidity Strain

risk

#79 of 148 • Bottom 26.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.58%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.02%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Efficiency Drag

risk

#82 of 100 • Bottom 8.1% in tier

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

Why This Signature

Efficiency Ratio: 87.28%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.78% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 13.06%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 13.06%

Peer Median: 2.03%

#16 of 306 Top 4.9% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 13.34%

Peer Median: 33.05%

#20 of 306 Top 6.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 439.132

Peer Median: 345.077

#54 of 306 Top 17.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.58%

Peer Median: 85.31%

#71 of 306 Top 22.9% in 1B-3B tier

Top Weaknesses (6 metrics)

305

Return on Assets (ROA)

profitability

Value: -0.33%

Peer Median: 0.66%

#305 of 306 Bottom 0.7% in 1B-3B tier

295

AMR Growth Rate

growth

Value: -6.46%

Peer Median: 3.15%

#295 of 306 Bottom 3.9% in 1B-3B tier

279

Efficiency Ratio

profitability

Value: 87.28%

Peer Median: 75.16%

#279 of 306 Bottom 9.2% in 1B-3B tier

272

Net Charge-Off Rate

risk

Value: 1.07%

Peer Median: 0.51%

#272 of 306 Bottom 11.4% in 1B-3B tier

242

Fee Income Per Member

profitability

Value: $148.25

Peer Median: $191.54

#242 of 306 Bottom 21.2% in 1B-3B tier

233

Total Delinquency Rate (60+ days)

risk

Value: 0.94%

Peer Median: 0.63%

#233 of 306 Bottom 24.2% in 1B-3B tier