RIVER TO RIVER
Charter #61152 · Vienna, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.40% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.69% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.26% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 51.87% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | RIVER TO RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.21M | 59th pct | 61th pct |
| Members | 2,443 | 62th pct | 49th pct |
| Net worth ratio | 14.36% | 55th pct | 48th pct |
| Return on average assets | 2.40% | 98th pct | 98th pct |
| Net interest margin | 4.69% | 84th pct | 84th pct |
| Cost of funds | 0.49% | 32th pct | 33th pct |
| Loan-to-share | 60.63% | 55th pct | 44th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 23th pct |
| Net charge-off ratio | -0.01% | 20th pct | 23th pct |
| Loan growth YoY | 2.39% | 84th pct | 80th pct |
| Share growth YoY | 4.16% | 67th pct | 57th pct |
| Efficiency ratio | 51.87% | 4th pct | 3th pct |
structural peer set hash: 05917ca5148a3327913337da4fbd7a5b… (reproducible)
Closest structural peers
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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.