RIVERFALL
Charter #60942 · Tuscaloosa, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.14% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.45% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.02% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.08% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.69% sits at the 98th percentile of structural peers — worth a closer look.
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 | RIVERFALL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $196.88M | 50th pct | 62th pct |
| Members | 14,300 | 56th pct | 61th pct |
| Net worth ratio | 11.63% | 52th pct | 39th pct |
| Return on average assets | 0.14% | 14th pct | 3th pct |
| Net interest margin | 2.45% | 4th pct | 2th pct |
| Cost of funds | 2.02% | 89th pct | 95th pct |
| Loan-to-share | 49.79% | 12th pct | 34th pct |
| Delinquency 60+ days | 1.08% | 79th pct | 80th pct |
| Net charge-off ratio | 0.43% | 56th pct | 51th pct |
| Loan growth YoY | -0.38% | 43th pct | 46th pct |
| Share growth YoY | 3.31% | 48th pct | 38th pct |
| Efficiency ratio | 92.69% | 90th pct | 98th pct |
structural peer set hash: d992c40a86965965445ed879cde04b5c… (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.