River Region

LUTCHER, LA · 1 · Charter #13763 · www.riverregionfcu.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
$40.7M
91th percentile
Members
2,454
76th percentile
Total loans
$9.2M
63th percentile
Total shares
$32.6M
88th percentile

Profitability

Return on assets
1.05%
62th percentile
Net interest margin
3.43%
31th percentile
Efficiency ratio
61.50%
62th percentile
Non-interest income ratio
13.51%
64th percentile

Capital & Risk

Net worth ratio
20.00%
74th percentile
Delinquency rate
2.41%
20th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
28.19%
10th percentile

Growth

Member growth YoY
0.37%
71th percentile
Asset growth YoY
2.65%
60th percentile
Loan growth YoY
-2.39%
53th percentile
Share growth YoY
2.31%
60th percentile

Operations

Members / branch
2,454
86th percentile
Assets / member
$16,593
90th percentile
Field of membership penetration
43.82%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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