BlastPoint's Credit Union Scorecard
RIVER CITY
Charter #926 · TX
RIVER CITY has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.8% in tier
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.3% in tier
- - Credit Risk Growth: Bottom 16.5% in tier
- - Credit Quality Pressure: Bottom 17.5% in tier
- - Stagnation Risk: Bottom 20.6% in tier
- - Efficiency Drag: Bottom 68.7% in tier
- - ROA 3.83% below tier average
- - Efficiency ratio 38.54% above tier (higher cost structure)
- - Delinquency rate 1.13% above tier average
- - Member decline: -16.8% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,713
-16.8% YoY-10.8% QoQ
|
-3.7K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$154.8M
+2.6% YoY+4.7% QoQ
|
$-77.0M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$115.7M
+7.7% YoY+5.4% QoQ
|
$-31.6M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$129.1M
+5.0% YoY+3.0% QoQ
|
$-71.7M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-3.1%
+162.9% YoY+15.4% QoQ
|
-3.8% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
3.6%
-6.2% YoY-0.4% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
115.6%
+15.5% YoY+3.6% QoQ
|
+38.5% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
2.0%
+32.6% YoY-33.0% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 7.2% in tier |
| Loan To Share |
89.6%
+2.6% YoY+2.3% QoQ
|
+17.4% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$20,904
+27.8% YoY+16.7% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
19.0%
+5.6% YoY-4.9% QoQ
|
-5.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
4.7%
+32.4% YoY+2.8% QoQ
|
-9.1% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)