Riverfall
Tuscaloosa, AL · Charter 60942 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$193.9MAssets
$88.2MLoans
$175.1MShares
$23.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 40% of credit unions under $1B in assets (rank 1003 of 1683).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1606 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.35%
Rank 1,271 of 1,683
Net Interest Margin
2.58%
Rank 1,606 of 1,683
Efficiency Ratio
89.28%
Rank 1,363 of 1,682
Equity / Assets
11.96%
Rank 1,003 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,271 / 1,683 | | |
| Return on Equity | 2.90% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,229 / 1,681 | | |
| Net Interest Margin | 2.58% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,606 / 1,683 | | |
| Efficiency Ratio | 89.28% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,363 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.93% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,439 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.96% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,003 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.96% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,003 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.34% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,318 / 1,683 | | |
| Loans / Assets | 45.47% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,246 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |