RIVER CITY
Charter #926 · San Antonio, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,716 sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -1.89% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.77% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.07% sits at the 97th 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 | RIVER CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $153.37M | 33th pct | 15th pct |
| Members | 11,716 | 43th pct | 13th pct |
| Net worth ratio | 11.02% | 43th pct | 51th pct |
| Return on average assets | -1.89% | 1th pct | 0th pct |
| Net interest margin | 3.77% | 58th pct | 25th pct |
| Cost of funds | 1.58% | 71th pct | 75th pct |
| Loan-to-share | 90.66% | 89th pct | 85th pct |
| Delinquency 60+ days | 3.07% | 98th pct | 97th pct |
| Net charge-off ratio | 1.65% | 97th pct | 97th pct |
| Loan growth YoY | 7.21% | 94th pct | 95th pct |
| Share growth YoY | 3.59% | 52th pct | 54th pct |
| Efficiency ratio | 100.75% | 97th pct | 98th pct |
structural peer set hash: 235b534fc41c4ca0896cff34af8a1fd7… (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.