RIVERFORK
Charter #13067 · GRAND FORKS, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.90% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.61% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.87% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 48th — a 15-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 | RIVERFORK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.01M | 63th pct | 52th pct |
| Members | 2,130 | 51th pct | 38th pct |
| Net worth ratio | 14.26% | 54th pct | 56th pct |
| Return on average assets | 0.38% | 34th pct | 33th pct |
| Net interest margin | 2.90% | 14th pct | 7th pct |
| Cost of funds | 1.61% | 81th pct | 93th pct |
| Loan-to-share | 47.27% | 32th pct | 48th pct |
| Delinquency 60+ days | 1.27% | 74th pct | 75th pct |
| Net charge-off ratio | 0.87% | 83th pct | 75th pct |
| Loan growth YoY | -7.67% | 15th pct | 13th pct |
| Share growth YoY | -1.35% | 16th pct | 13th pct |
| Efficiency ratio | 69.06% | 25th pct | 28th pct |
structural peer set hash: f39027ce31b0976f3b8022ca30a2aa8c… (reproducible)
Closest structural peers
This is the free public view
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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.