Rivertrust

PEARL, MS · 1 · Charter #473 · www.rivertrustfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$165.8M
78th percentile
Members
7,604
50th percentile
Total loans
$85.9M
68th percentile
Total shares
$139.6M
77th percentile

Profitability

Return on assets
1.06%
51th percentile
Net interest margin
2.51%
6th percentile
Efficiency ratio
47.63%
86th percentile
Non-interest income ratio
17.55%
52th percentile

Capital & Risk

Net worth ratio
19.15%
92th percentile
Delinquency rate
0.56%
61th percentile
Net charge-off rate
0.53%
31th percentile
Loan-to-share
61.55%
38th percentile

Growth

Member growth YoY
0.98%
69th percentile
Asset growth YoY
2.67%
39th percentile
Loan growth YoY
-5.71%
16th percentile
Share growth YoY
0.78%
28th percentile

Operations

Members / branch
2,535
37th percentile
Assets / member
$21,801
89th percentile
Field of membership penetration
23.76%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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