PackageTrendsPeer
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Rivertrust

Pearl, MS · Charter 473

NCUA · 1 branch

Q2 2026

$167.8MAssets
$84.9MLoans
$141.4MShares
$32.3MNet 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 0.70%, up 22 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.60% of loans (+20 bps YoY).
  • Capital: net worth / assets of 19.27%, up 15 bps from a year ago.
  • Funding: loans stand at 60.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+34 bps YoY

Efficiency Ratio (YTD, annualized)

64.66%-686 bps YoY

Net Worth / Assets

19.27%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.76%0.69%0.68%0.70%+22 bps
Return on Equity2.50%3.90%3.62%3.58%3.64%+114 bps
Net Interest Margin2.42%2.51%2.51%2.70%2.76%+34 bps
Efficiency Ratio71.52%68.97%68.50%62.75%64.66%-686 bps
Growth
Asset Growth (YoY)-0.86%-0.77%2.67%2.82%3.46%+433 bps
Loan Growth (YoY)-3.69%-3.52%-5.71%-3.89%-4.60%-91 bps
Share Growth (YoY)-2.80%-2.15%0.78%1.73%3.20%+600 bps
Asset Quality
Delinquent Loans / Loans0.40%0.51%0.56%0.56%0.60%+20 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 Capital19.11%19.40%19.15%19.05%19.27%+15 bps
Net Worth / Assets19.11%19.40%19.15%19.05%19.27%+15 bps
Liquidity & Funding
Loans / Shares64.96%64.52%61.55%60.66%60.05%-491 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps