River to River

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

$29.0M

76^th percentile

Members

2,421

75^th percentile

Total loans

$15.2M

79^th percentile

Total shares

$24.9M

77^th percentile

Profitability

Return on assets

2.67%

97^th percentile

Net interest margin

4.71%

76^th percentile

Efficiency ratio

47.84%

85^th percentile

Non-interest income ratio

12.93%

63^th percentile

Capital & Risk

Net worth ratio

13.85%

43^th percentile

Delinquency rate

0.57%

55^th percentile

Net charge-off rate

0.46%

35^th percentile

Loan-to-share

60.85%

50^th percentile

Growth

Member growth YoY

2.11%

84^th percentile

Asset growth YoY

8.61%

89^th percentile

Loan growth YoY

13.14%

92^th percentile

Share growth YoY

6.67%

83^th percentile

Operations

Members / branch

2,421

85^th percentile

Assets / member

$11,988

71^th percentile

Field of membership penetration

3.99%

15^th percentile

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