BlastPoint's Credit Union Scorecard

RIVER CITY

Charter #926 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

RIVER CITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average
+ AMR Growth Rate: Top 0.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 2.63% below tier average
- Efficiency ratio 22.73% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,716 -14.9% YoY+0.0% QoQ	-3.4K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	42%
Assets	$153.4M +1.1% YoY-1.0% QoQ	$-78.3M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	32%
Loans	$117.7M +10.1% YoY+1.8% QoQ	$-26.4M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	48%
Deposits	$129.9M +1.6% YoY+0.6% QoQ	$-71.3M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	30%

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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	-1.9% -30.0% YoY-38.0% QoQ	-2.6%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 0.6% in tier
NIM	3.8% +7.5% YoY+5.8% QoQ	+0.2%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	100.8% -21.5% YoY-12.8% QoQ	+22.7%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 3.0% in tier
Delinquency Rate	3.1% +34.2% YoY+51.5% QoQ	+2.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 2.0% in tier
Loan To Share	90.7% +8.4% YoY+1.2% QoQ	+20.2%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 10.8% in tier
AMR	$21,135 +24.0% YoY+1.1% QoQ	$-4K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	39%
CD Concentration	19.9% +5.7% YoY+4.3% QoQ	-4.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	4.3% +14.5% YoY-8.4% QoQ	-9.5%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#14 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 24.01%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (6)

Membership Headwinds

decline

#15 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#30 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.78% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#53 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.78% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Stagnation Risk

risk

#128 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 10.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 3.07%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#402 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 100.75%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.81% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -14.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Liquidity Strain

risk

#136 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.66%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 10.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 24.01%

Peer Median: 3.46%

#10 of 1070 Top 0.8% in 100M-500M tier

116

Loan-to-Share Ratio

balance_sheet

Value: 90.66%

Peer Median: 71.88%

#116 of 1070 Top 10.7% in 100M-500M tier

176

Loan Growth Rate

growth

Value: 10.12%

Peer Median: 2.93%

#176 of 1070 Top 16.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1064

Return on Assets (ROA)

profitability

Value: -1.90%

Peer Median: 0.69%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1055

Member Growth Rate

growth

Value: -14.94%

Peer Median: -0.06%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1050

Total Delinquency Rate (60+ days)

risk

Value: 3.07%

Peer Median: 0.61%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1039

Efficiency Ratio

profitability

Value: 100.75%

Peer Median: 78.68%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1035

Net Charge-Off Rate

risk

Value: 1.64%

Peer Median: 0.35%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

1010

Members Per Employee (MPE)

engagement

Value: 205.544

Peer Median: 309.176

#1010 of 1070 Bottom 5.7% in 100M-500M tier

812

Asset Growth Rate

growth

Value: 1.09%

Peer Median: 3.91%

#812 of 1070 Bottom 24.2% in 100M-500M tier