PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Region

Lutcher, LA · Charter 13763

NCUA · 1 branch

Q2 2026

$42.0MAssets
$9.1MLoans
$33.7MShares
$8.2MNet 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 0.47%, down 30 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 2.38% of loans (+58 bps YoY).
  • Capital: net worth / assets of 19.63%, up 45 bps from a year ago.
  • Funding: loans stand at 26.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-1 bps YoY

Efficiency Ratio (YTD, annualized)

90.59%+1,521 bps YoY

Net Worth / Assets

19.63%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.94%0.95%0.00%0.47%-30 bps
Return on Equity4.05%4.74%4.73%0.01%2.41%-164 bps
Net Interest Margin3.31%3.40%3.43%3.23%3.30%-1 bps
Efficiency Ratio75.38%73.69%74.50%95.93%90.59%+1,521 bps
Growth
Asset Growth (YoY)7.91%5.37%2.65%2.91%1.71%-620 bps
Loan Growth (YoY)-6.27%-2.37%-2.39%-2.53%-4.75%+152 bps
Share Growth (YoY)8.65%5.65%2.31%3.57%1.21%-744 bps
Asset Quality
Delinquent Loans / Loans1.80%1.84%2.41%1.84%2.38%+58 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 Capital19.18%19.74%20.00%19.20%19.63%+45 bps
Net Worth / Assets19.18%19.74%20.00%19.20%19.63%+45 bps
Liquidity & Funding
Loans / Shares28.58%28.05%28.19%26.65%26.90%-168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps