BlastPoint's Credit Union Scorecard

RIVER CITY

Charter #926 · TX

1077 CUs in 100M-500M nationally 79 in TX

RIVER CITY has 4 strengths but faces 13 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 2.5% in tier
+ Relationship Depth Leader: Top 9.2% 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
- Growth-at-Risk: Bottom 20.4% in tier
- Stagnation Risk: Bottom 27.0% in tier
- Liquidity Overhang: Bottom 30.0% 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%
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% -5.8% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#71 of 1006 • Top 2.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.64%

(Tier: 3.68%, National: 4.19%)

better than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth

#255 of 1006 • Top 9.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature

AMR Growth (YoY): 12.64%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | Rank improving

Concerns (6)

Membership Headwinds

decline

#42 of 550 • Bottom 2.5% in tier

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

Why This Signature

Member Growth (YoY): -9.26%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#197 of 736 • Bottom 7.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk

#342 of 521 • Bottom 19.3% in tier

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

Why This Signature

Efficiency Ratio: 111.52%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.60% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -9.26%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Growth-at-Risk

risk

#307 of 446 • Bottom 20.4% in tier

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

Why This Signature

Loan Growth (YoY): 0.87%

(Tier: 3.64%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Stagnation Risk

risk

#445 of 550 • Bottom 27.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature

Return on Assets: -2.66%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

Member Growth (YoY): -9.26%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Avg Member Relationship: $17.9K

(Tier: $25.0K, National: $19.4K)

worse than tier avg

CD Concentration: 20.01%

(Tier: 24.41%, National: 19.60%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk

#465 of 552 • Bottom 30.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 13.12%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 87.59%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

552 of 1077 Community CUs have this signature | 691 nationally

↑ Growing +65 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 12.64%

Peer Avg: 3.64%

#57 of 1077 Top 5.2% in 100M-500M tier

216

Loan-to-Share Ratio

balance_sheet

Value: 87.59%

Peer Avg: 72.70%

#216 of 1077 Top 20.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1077

Return on Assets (ROA)

profitability

Value: -2.66%

Peer Avg: 0.79%

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1071

Efficiency Ratio

profitability

Value: 111.52%

Peer Avg: 77.28%

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1071

Net Charge-Off Rate

risk

Value: 2.35%

Peer Avg: 0.47%

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1055

Total Delinquency Rate (60+ days)

risk

Value: 3.02%

Peer Avg: 0.86%

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1037

Member Growth Rate

growth

Value: -9.26%

Peer Avg: 0.72%

#1037 of 1077 Bottom 3.8% in 100M-500M tier

968

Asset Growth Rate

growth

Value: -1.92%

Peer Avg: 4.70%

#968 of 1077 Bottom 10.2% in 100M-500M tier

926

Members Per Employee (MPE)

engagement

Value: 238.836

Peer Avg: 332.881

#926 of 1077 Bottom 14.1% in 100M-500M tier

841

Average Member Relationship (AMR)

engagement

Value: $17,905

Peer Avg: $24,363

#841 of 1077 Bottom 22.0% in 100M-500M tier