East River
Madison, SD · Charter 11353 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$41.9MAssets
$15.8MLoans
$37.1MShares
$4.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 85% of credit unions under $1B in assets (rank 248 of 1681).
- Widest gap: nonperforming loans / loans trails 73% of credit unions under $1B in assets (rank 1228 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.16%
Rank 441 of 1,683
Net Interest Margin
3.87%
Rank 799 of 1,683
Efficiency Ratio
76.18%
Rank 738 of 1,682
Equity / Assets
11.12%
Rank 1,125 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 441 / 1,683 | |
| Return on Equity | 10.40% | 2.67% | 5.89% | 8.74% | Beats 85% | 248 / 1,681 | |
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 799 / 1,683 | |
| Efficiency Ratio | 76.18% | 68.91% | 78.20% | 86.93% | Beats 56% | 738 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,228 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.12% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,125 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.12% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,125 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.61% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,453 / 1,683 | |
| Loans / Assets | 37.73% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,415 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |