River Community

Ottumwa, IA · 2 · Charter #64986 · www.rivercommunitycu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$29.1M
76th percentile
Members
3,651
92th percentile
Total loans
$20.4M
89th percentile
Total shares
$24.4M
76th percentile

Profitability

Return on assets
1.54%
80th percentile
Net interest margin
3.80%
43th percentile
Efficiency ratio
50.33%
82th percentile
Non-interest income ratio
16.09%
73th percentile

Capital & Risk

Net worth ratio
15.79%
55th percentile
Delinquency rate
0.14%
74th percentile
Net charge-off rate
0.18%
53th percentile
Loan-to-share
83.47%
81th percentile

Growth

Member growth YoY
0.75%
75th percentile
Asset growth YoY
-1.64%
32th percentile
Loan growth YoY
-0.34%
61th percentile
Share growth YoY
-3.42%
27th percentile

Operations

Members / branch
3,651
96th percentile
Assets / member
$7,968
39th percentile
Field of membership penetration
3.05%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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