RIVERWAYS
Charter #12890 · Rolla, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.52% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.17% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.34% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.16% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 46th — a 23-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 | RIVERWAYS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $129.13M | 19th pct | 16th pct |
| Members | 10,772 | 36th pct | 43th pct |
| Net worth ratio | 8.52% | 8th pct | 11th pct |
| Return on average assets | 1.17% | 78th pct | 77th pct |
| Net interest margin | 4.34% | 86th pct | 89th pct |
| Cost of funds | 1.55% | 69th pct | 46th pct |
| Loan-to-share | 94.63% | 96th pct | 82th pct |
| Delinquency 60+ days | 0.16% | 10th pct | 18th pct |
| Net charge-off ratio | 0.10% | 19th pct | 41th pct |
| Loan growth YoY | 9.74% | 97th pct | 93th pct |
| Share growth YoY | 12.04% | 98th pct | 89th pct |
| Efficiency ratio | 77.23% | 44th pct | 30th pct |
structural peer set hash: db2f8936686b4d14f9cab5fe364a0cf0… (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.