BlastPoint's Credit Union Scorecard
RIVER VALLEY
Charter #97109 · OH
RIVER VALLEY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Total Loans: Top 0.3% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 1.2% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,190
+4.4% YoY+2.4% QoQ
|
+11.8K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 9.6% in tier |
| Assets |
$492.1M
+2.9% YoY+0.0% QoQ
|
+$260.3M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$381.4M
+2.1% YoY+1.4% QoQ
|
+$234.1M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 0.4% in tier |
| Deposits |
$424.5M
+2.3% YoY+0.8% QoQ
|
+$223.7M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.3% in tier |
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| ROA |
1.0%
+29.0% YoY+7.9% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.4%
+10.8% YoY+2.1% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
71.3%
-1.9% YoY-1.4% QoQ
|
-5.7% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.5%
-3.8% YoY-18.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
89.9%
-0.3% YoY+0.6% QoQ
|
+17.6% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 14.4% in tier |
| AMR |
$29,639
-2.1% YoY-1.3% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
29.9%
-3.1% YoY+0.4% QoQ
|
+5.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
44.9%
-0.9% YoY+0.9% QoQ
|
+31.1% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)