RIVERBANK
Charter #3757 · Windsor Locks, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.30% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 54th — a 26-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 | RIVERBANK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $87.96M | 80th pct | 59th pct |
| Members | 4,268 | 33th pct | 46th pct |
| Net worth ratio | 9.30% | 13th pct | 20th pct |
| Return on average assets | 0.52% | 40th pct | 49th pct |
| Net interest margin | 3.28% | 28th pct | 54th pct |
| Cost of funds | 0.81% | 42th pct | 34th pct |
| Loan-to-share | 48.84% | 28th pct | 30th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.03% | 8th pct | 15th pct |
| Loan growth YoY | 4.82% | 91th pct | 92th pct |
| Share growth YoY | 1.39% | 33th pct | 30th pct |
| Efficiency ratio | 85.91% | 69th pct | 62th pct |
structural peer set hash: 5136fa62ce2b61b642da919b78958d22… (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.