What is causing the washing away? Wave action or water running into the pond?

I places a couple tri-axle loads of broken concrete on an area that had a steep bank without the geotextile fabric, and the concrete pieces have about sunk flush with the ground in 4 years - sandy soil.


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3/4 to 1 1/4 ac pond LMB, SMB, PS, BG, RES, CC, YP, Bardello BG, (RBT & Blue Tilapia - seasonal).