RED RIVER
Charter #12082 · Altus, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,049 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.58% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.16% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.77% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | RED RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $163.97M | 37th pct | 28th pct |
| Members | 9,049 | 25th pct | 25th pct |
| Net worth ratio | 12.02% | 57th pct | 59th pct |
| Return on average assets | 1.58% | 91th pct | 93th pct |
| Net interest margin | 3.84% | 63th pct | 57th pct |
| Cost of funds | 1.69% | 77th pct | 67th pct |
| Loan-to-share | 92.17% | 92th pct | 89th pct |
| Delinquency 60+ days | 1.16% | 82th pct | 87th pct |
| Net charge-off ratio | 0.17% | 26th pct | 26th pct |
| Loan growth YoY | 6.27% | 92th pct | 92th pct |
| Share growth YoY | 0.68% | 14th pct | 11th pct |
| Efficiency ratio | 64.77% | 15th pct | 8th pct |
structural peer set hash: 47b7323887eb7599a8e271485d4dbe29… (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.