RIVER VALLEY
Charter #61664 · AMES, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,771 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.71% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.24% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.90% ranks in the 16th 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 VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.97M | 12th pct | 30th pct |
| Members | 6,771 | 10th pct | 21th pct |
| Net worth ratio | 11.34% | 48th pct | 46th pct |
| Return on average assets | 0.87% | 62th pct | 54th pct |
| Net interest margin | 2.82% | 9th pct | 5th pct |
| Cost of funds | 1.71% | 78th pct | 85th pct |
| Loan-to-share | 62.81% | 32th pct | 39th pct |
| Delinquency 60+ days | 1.24% | 84th pct | 97th pct |
| Net charge-off ratio | 0.22% | 34th pct | 31th pct |
| Loan growth YoY | 5.25% | 88th pct | 90th pct |
| Share growth YoY | 4.65% | 67th pct | 57th pct |
| Efficiency ratio | 67.90% | 21th pct | 16th pct |
structural peer set hash: 3cd3f8dd1e026c21f3ca0c7605e69c64… (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.