Riverfork
Grand Forks, ND · Charter 13067 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$31.2MAssets
$12.2MLoans
$26.7MShares
$4.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets (rank 531 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1403 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.48%
Rank 1,158 of 1,683
Net Interest Margin
3.08%
Rank 1,403 of 1,683
Efficiency Ratio
71.86%
Rank 531 of 1,682
Equity / Assets
13.91%
Rank 688 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,158 / 1,683 | | |
| Return on Equity | 3.45% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,156 / 1,681 | | |
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,403 / 1,683 | | |
| Efficiency Ratio | 71.86% | 68.91% | 78.20% | 86.93% | Beats 68% | 531 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.26% | 0.65% | 1.29% | Beats 48% | 876 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 688 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 688 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.64% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,396 / 1,683 | | |
| Loans / Assets | 38.99% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,392 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |