Rivertrust
Pearl, MS · Charter 473 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$167.8MAssets
$84.9MLoans
$141.4MShares
$32.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets (rank 257 of 1683).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1554 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.70%
Rank 884 of 1,683
Net Interest Margin
2.76%
Rank 1,554 of 1,683
Efficiency Ratio
64.67%
Rank 285 of 1,682
Equity / Assets
19.27%
Rank 257 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 47% | 884 / 1,683 | |
| Return on Equity | 3.64% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,136 / 1,681 | |
| Net Interest Margin | 2.76% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,554 / 1,683 | |
| Efficiency Ratio | 64.67% | 68.91% | 78.20% | 86.93% | Beats 83% | 285 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 797 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.27% | 10.44% | 12.89% | 16.53% | Beats 85% | 257 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.27% | 10.44% | 12.89% | 16.53% | Beats 85% | 257 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.05% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,104 / 1,683 | |
| Loans / Assets | 50.60% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,100 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |