2 Rivers Area

KANKAKEE, IL · 2 · Charter #62827 · www.2riversacu.com
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
$23.6M
68th percentile
Members
3,940
94th percentile
Total loans
$13.3M
74th percentile
Total shares
$21.1M
70th percentile

Profitability

Return on assets
0.27%
26th percentile
Net interest margin
4.52%
70th percentile
Efficiency ratio
91.78%
11th percentile
Non-interest income ratio
29.76%
94th percentile

Capital & Risk

Net worth ratio
12.34%
33th percentile
Delinquency rate
2.06%
24th percentile
Net charge-off rate
0.42%
37th percentile
Loan-to-share
63.19%
53th percentile

Growth

Member growth YoY
-2.55%
38th percentile
Asset growth YoY
0.75%
47th percentile
Loan growth YoY
-11.81%
18th percentile
Share growth YoY
3.56%
68th percentile

Operations

Members / branch
3,940
97th percentile
Assets / member
$5,996
23th percentile
Field of membership penetration
93.81%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for 2 Rivers Area?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo