RIVERFRONT
Charter #5856 · Wyomissing, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.30% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.33% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.65% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.41% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 11th — a 19-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 | RIVERFRONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $324.40M | 77th pct | 59th pct |
| Members | 22,500 | 84th pct | 69th pct |
| Net worth ratio | 8.30% | 5th pct | 3th pct |
| Return on average assets | 0.39% | 28th pct | 43th pct |
| Net interest margin | 3.33% | 31th pct | 11th pct |
| Cost of funds | 1.65% | 75th pct | 85th pct |
| Loan-to-share | 78.92% | 66th pct | 61th pct |
| Delinquency 60+ days | 0.41% | 33th pct | 18th pct |
| Net charge-off ratio | 0.53% | 68th pct | 62th pct |
| Loan growth YoY | 0.90% | 56th pct | 46th pct |
| Share growth YoY | 3.35% | 48th pct | 44th pct |
| Efficiency ratio | 82.82% | 65th pct | 56th pct |
structural peer set hash: b4e5bf876569f6cb6041740edcf620aa… (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.