RIVER REGION
Charter #13763 · LUTCHER, LA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.00% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.84% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.93% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 48th — a 22-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 | RIVER REGION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.41M | 87th pct | 72th pct |
| Members | 2,470 | 62th pct | 62th pct |
| Net worth ratio | 19.20% | 82th pct | 70th pct |
| Return on average assets | 0.00% | 18th pct | 8th pct |
| Net interest margin | 3.30% | 26th pct | 48th pct |
| Cost of funds | 0.98% | 57th pct | 61th pct |
| Loan-to-share | 26.65% | 6th pct | 23th pct |
| Delinquency 60+ days | 1.84% | 83th pct | 75th pct |
| Net charge-off ratio | -0.02% | 18th pct | 21th pct |
| Loan growth YoY | -0.49% | 67th pct | 80th pct |
| Share growth YoY | 4.75% | 72th pct | 80th pct |
| Efficiency ratio | 95.93% | 84th pct | 93th pct |
structural peer set hash: 7e4b8ac5ce511b04bf2e07fe30987b63… (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.