PackageTrendsPeer
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Riverfall

Tuscaloosa, AL · Charter 60942

NCUA · 4 branches

Q2 2026

$193.9MAssets
$88.2MLoans
$175.1MShares
$23.2MNet 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 0.35%, up 16 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 1.93% of loans (+26 bps YoY).
  • Capital: net worth / assets of 11.96%, down 9 bps from a year ago.
  • Funding: loans stand at 50.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+20 bps YoY

Efficiency Ratio (YTD, annualized)

89.29%-46 bps YoY

Net Worth / Assets

11.96%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.21%0.17%0.14%0.35%+16 bps
Return on Equity1.54%1.73%1.43%1.23%2.89%+136 bps
Net Interest Margin2.37%2.47%2.44%2.44%2.58%+20 bps
Efficiency Ratio89.75%88.01%88.41%92.69%89.29%-46 bps
Growth
Asset Growth (YoY)13.48%7.94%7.97%3.71%1.93%-1,156 bps
Loan Growth (YoY)-4.40%-4.57%-3.31%-2.00%-1.74%+267 bps
Share Growth (YoY)13.73%8.31%7.02%2.71%1.37%-1,236 bps
Asset Quality
Delinquent Loans / Loans1.67%1.29%1.52%1.08%1.93%+26 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 Capital12.05%12.02%11.76%11.65%11.96%-9 bps
Net Worth / Assets12.05%12.02%11.76%11.65%11.96%-9 bps
Liquidity & Funding
Loans / Shares51.93%51.63%50.23%49.79%50.34%-159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps