RIVERSIDE COMMUNITY
Charter #3775 · Marion, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.45% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 49th — a 29-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 | RIVERSIDE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.29M | 21th pct | 33th pct |
| Members | 5,886 | 64th pct | 48th pct |
| Net worth ratio | 14.57% | 67th pct | 69th pct |
| Return on average assets | 1.45% | 83th pct | 84th pct |
| Net interest margin | 4.23% | 78th pct | 49th pct |
| Cost of funds | 1.50% | 80th pct | 69th pct |
| Loan-to-share | 95.78% | 98th pct | 97th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 61th pct |
| Net charge-off ratio | -0.01% | 12th pct | 8th pct |
| Loan growth YoY | 3.09% | 85th pct | 67th pct |
| Share growth YoY | 3.45% | 59th pct | 51th pct |
| Efficiency ratio | 72.94% | 31th pct | 26th pct |
structural peer set hash: c3ecb47baa8ae6055b08112037193143… (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.