BlastPoint's Credit Union Scorecard
RIVER CITY
Charter #926 · TX
RIVER CITY has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.6% in tier
- + Net Interest Margin 0.02% above tier average
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.5% in tier
- - Credit Quality Pressure: Bottom 7.9% in tier
- - Efficiency Drag: Bottom 19.3% in tier
- - Credit Risk Growth: Bottom 20.4% in tier
- - Stagnation Risk: Bottom 27.0% in tier
- - ROA 3.45% below tier average
- - Efficiency ratio 34.24% above tier (higher cost structure)
- - Delinquency rate 2.16% above tier average
- - Member decline: -9.3% YoY
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Member Growth Rate: Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,136
-9.3% YoY-2.5% QoQ
|
-2.5K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$147.8M
-1.9% YoY-2.4% QoQ
|
$-83.5M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$109.8M
+0.9% YoY+0.8% QoQ
|
$-38.0M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$125.4M
+3.4% YoY-1.5% QoQ
|
$-74.9M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
-2.7%
+151.0% YoY+28.5% QoQ
|
-3.4% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
3.6%
-6.8% YoY+2.8% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
111.5%
+9.7% YoY+2.9% QoQ
|
+34.2% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
3.0%
+14.5% YoY+36.6% QoQ
|
+2.2 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.1% in tier |
| Loan To Share |
87.6%
-2.5% YoY+2.3% QoQ
|
+14.9% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$17,905
+12.6% YoY+2.2% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
20.0%
+5.9% YoY+3.2% QoQ
|
-4.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.5%
+27.9% YoY+13.2% QoQ
|
-9.4% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)