PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Riverways

Rolla, MO · Charter 12890

NCUA · 3 branches

Q2 2026

$136.7MAssets
$115.3MLoans
$117.1MShares
$11.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.28%, down 8 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 1.14% of loans (+44 bps YoY).
  • Capital: net worth / assets of 8.42%, down 21 bps from a year ago.
  • Funding: loans stand at 98.47% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-21 bps YoY

Efficiency Ratio (YTD, annualized)

73.45%-197 bps YoY

Net Worth / Assets

8.42%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.60%1.60%1.13%1.28%-8 bps
Return on Equity15.81%18.03%17.87%13.31%15.24%-56 bps
Net Interest Margin4.31%4.25%4.11%4.19%4.10%-21 bps
Efficiency Ratio75.42%73.17%72.47%77.23%73.45%-197 bps
Growth
Asset Growth (YoY)12.60%9.03%15.30%18.01%22.52%+992 bps
Loan Growth (YoY)13.80%11.77%16.49%17.49%21.50%+770 bps
Share Growth (YoY)12.51%12.00%11.47%15.44%16.68%+417 bps
Asset Quality
Delinquent Loans / Loans0.70%0.20%0.26%0.16%1.14%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.63%8.89%8.96%8.52%8.42%-21 bps
Net Worth / Assets8.63%8.89%8.96%8.52%8.42%-21 bps
Liquidity & Funding
Loans / Shares94.56%96.61%97.61%94.63%98.47%+391 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps