RIVER VALLEY COMMUNITY
Charter #8812 · Camden, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.83% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.54% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 48th — a 35-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 VALLEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.56M | 35th pct | 31th pct |
| Members | 6,775 | 77th pct | 64th pct |
| Net worth ratio | 13.56% | 58th pct | 64th pct |
| Return on average assets | 0.92% | 63th pct | 52th pct |
| Net interest margin | 4.83% | 94th pct | 89th pct |
| Cost of funds | 0.96% | 53th pct | 43th pct |
| Loan-to-share | 79.58% | 83th pct | 48th pct |
| Delinquency 60+ days | 0.85% | 65th pct | 66th pct |
| Net charge-off ratio | 0.54% | 73th pct | 75th pct |
| Loan growth YoY | -2.12% | 43th pct | 21th pct |
| Share growth YoY | 3.70% | 61th pct | 52th pct |
| Efficiency ratio | 76.53% | 41th pct | 48th pct |
structural peer set hash: c87f9e8673e36166c97e66000294ae31… (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.