RIVER COMMUNITY
Charter #64986 · Ottumwa, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.81% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.62% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 13th — a 34-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 | RIVER COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.37M | 62th pct | 61th pct |
| Members | 3,669 | 87th pct | 72th pct |
| Net worth ratio | 15.44% | 63th pct | 66th pct |
| Return on average assets | 1.25% | 78th pct | 64th pct |
| Net interest margin | 3.81% | 47th pct | 13th pct |
| Cost of funds | 1.62% | 81th pct | 77th pct |
| Loan-to-share | 80.23% | 84th pct | 62th pct |
| Delinquency 60+ days | 0.16% | 26th pct | 15th pct |
| Net charge-off ratio | 0.06% | 43th pct | 39th pct |
| Loan growth YoY | -1.26% | 59th pct | 41th pct |
| Share growth YoY | 2.06% | 45th pct | 39th pct |
| Efficiency ratio | 72.22% | 31th pct | 41th pct |
structural peer set hash: deebb43c759384f8c2add7ad138f6e3c… (reproducible)
Closest structural peers
This is the free public view
Claim RIVER COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.