EAST RIVER
Charter #11353 · Madison, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.49% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.40% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 46th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EAST RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.57M | 86th pct | 69th pct |
| Members | 3,128 | 78th pct | 61th pct |
| Net worth ratio | 10.98% | 26th pct | 31th pct |
| Return on average assets | 1.49% | 86th pct | 80th pct |
| Net interest margin | 3.83% | 48th pct | 51th pct |
| Cost of funds | 0.56% | 36th pct | 41th pct |
| Loan-to-share | 42.84% | 25th pct | 46th pct |
| Delinquency 60+ days | 1.40% | 77th pct | 80th pct |
| Net charge-off ratio | 0.29% | 61th pct | 64th pct |
| Loan growth YoY | -14.30% | 2th pct | 0th pct |
| Share growth YoY | 6.84% | 85th pct | 69th pct |
| Efficiency ratio | 71.69% | 30th pct | 39th pct |
structural peer set hash: d77319bb6da51ec6e646a6a5fcf057e8… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.