RIVERTRUST
Charter #473 · PEARL, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.05% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.69% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.72% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.89% sits at the 84th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 25th — a 24-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 | RIVERTRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $168.18M | 38th pct | 52th pct |
| Members | 7,647 | 15th pct | 26th pct |
| Net worth ratio | 19.05% | 96th pct | 92th pct |
| Return on average assets | 0.69% | 49th pct | 25th pct |
| Net interest margin | 2.72% | 7th pct | 5th pct |
| Cost of funds | 1.71% | 77th pct | 72th pct |
| Loan-to-share | 60.66% | 28th pct | 33th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 44th pct |
| Net charge-off ratio | 0.89% | 86th pct | 84th pct |
| Loan growth YoY | -2.45% | 21th pct | 18th pct |
| Share growth YoY | 3.76% | 55th pct | 38th pct |
| Efficiency ratio | 62.75% | 12th pct | 26th pct |
structural peer set hash: 605e069d73b5fc02641beb3d804f0cda… (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.