R.I.A.

Rock Island, IL · 1 · Charter #17117 · www.riafcu.com/
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$659.3M
75th percentile
Members
40,037
74th percentile
Total loans
$488.9M
79th percentile
Total shares
$567.7M
77th percentile

Profitability

Return on assets
1.02%
54th percentile
Net interest margin
3.74%
69th percentile
Efficiency ratio
58.24%
55th percentile
Non-interest income ratio
15.78%
31th percentile

Capital & Risk

Net worth ratio
8.05%
5th percentile
Delinquency rate
0.74%
47th percentile
Net charge-off rate
1.04%
11th percentile
Loan-to-share
86.13%
64th percentile

Growth

Member growth YoY
-0.53%
37th percentile
Asset growth YoY
6.63%
63th percentile
Loan growth YoY
5.24%
56th percentile
Share growth YoY
6.45%
67th percentile

Operations

Members / branch
3,640
29th percentile
Assets / member
$16,468
54th percentile
Field of membership penetration
8.40%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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