BlastPoint's Credit Union Scorecard
RIVER VALLEY COMMUNITY
Charter #8812 · AR
RIVER VALLEY COMMUNITY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 1.07% above tier average
- + Total Members: Top 6.1% in tier
- + Total Loans: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.09% above tier average
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,788
-2.2% YoY-1.6% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 6.2% in tier |
| Assets |
$62.2M
+4.8% YoY-0.6% QoQ
|
+$32.0M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$45.2M
+1.9% YoY+0.2% QoQ
|
+$29.4M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 7.5% in tier |
| Deposits |
$53.2M
+3.5% YoY-0.5% QoQ
|
+$27.5M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.6%
+19.0% YoY-4.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
5.0%
+2.8% YoY+0.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 14.1% in tier |
| Efficiency Ratio |
71.9%
-5.9% YoY+2.3% QoQ
|
-10.6% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.6%
+116.6% YoY+37.5% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
85.0%
-1.5% YoY+0.8% QoQ
|
+24.4% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$14,493
+5.1% YoY+1.5% QoQ
|
$-290 |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
22.7%
+19.2% YoY+7.5% QoQ
|
-1.7% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
1.3%
-22.2% YoY-3.2% QoQ
|
-12.5% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)