BlastPoint's Credit Union Scorecard

RIVER VALLEY COMMUNITY

Charter #8812 · AR

<100M

2508 CUs in <100M nationally 43 in AR

RIVER VALLEY COMMUNITY has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.76% above tier average
+ Net Interest Margin 0.74% above tier average
+ Total Members: Top 5.9% in tier
+ Total Loans: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	6,775 -2.6% YoY-0.2% QoQ	+4.1K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	Top 5.9% in tier
Assets	$64.6M +4.8% YoY+3.9% QoQ	+$34.4M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	Top 14.9% in tier
Loans	$44.1M -1.3% YoY-2.4% QoQ	+$28.8M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	Top 7.2% in tier
Deposits	$55.4M +4.1% YoY+4.3% QoQ	+$29.7M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	85%

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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	0.9% -47.0% YoY-42.4% QoQ	+0.8%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	65%
NIM	4.7% -4.1% YoY-5.5% QoQ	+0.7%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	76.5% +13.0% YoY+6.4% QoQ	-14.1%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.8% -29.7% YoY-48.6% QoQ	-0.7	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	59%
Loan To Share	79.6% -5.2% YoY-6.3% QoQ	+21.1%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	81%
AMR	$14,697 +4.3% YoY+1.4% QoQ	$-187	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	54%
CD Concentration	23.2% +25.4% YoY+2.2% QoQ	-1.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	1.2% -34.8% YoY-5.3% QoQ	-12.6%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

149

Total Members

engagement

Value: 6,775

Peer Median: 1,918

#149 of 2508 Top 5.9% in <100M tier

181

Total Loans

balance_sheet

Value: $44.13M

Peer Median: $9.48M

#181 of 2508 Top 7.2% in <100M tier

373

Total Assets

balance_sheet

Value: $64.56M

Peer Median: $21.86M

#373 of 2508 Top 14.8% in <100M tier

378

Total Deposits

balance_sheet

Value: $55.45M

Peer Median: $18.77M

#378 of 2508 Top 15.0% in <100M tier

413

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: 3.83%

#413 of 2508 Top 16.4% in <100M tier

473

Loan-to-Share Ratio

balance_sheet

Value: 79.58%

Peer Median: 58.72%

#473 of 2508 Top 18.8% in <100M tier

Top Weaknesses (3 metrics)

2176

Indirect Auto Concentration (%)

balance_sheet

Value: 1.20%

Peer Median: 0.00%

#2176 of 2508 Bottom 13.3% in <100M tier

2065

First Mortgage Concentration (%)

balance_sheet

Value: 33.67%

Peer Median: 3.66%

#2065 of 2508 Bottom 17.7% in <100M tier

1897

Net Charge-Off Rate

risk

Value: 0.55%

Peer Median: 0.07%

#1897 of 2508 Bottom 24.4% in <100M tier