River to River
Vienna, IL · Charter 61152 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 2 branches
Q2 2026
$29.7MAssets
$15.0MLoans
$25.3MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 1 of 19).
- Widest gap: equity / assets trails 16% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 3 of 19).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.25%
Rank 2 of 19
Net Interest Margin
4.60%
Rank 2 of 19
Efficiency Ratio
51.39%
Rank 1 of 19
Equity / Assets
14.65%
Rank 3 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.25% | -0.27% | 1.22% | 1.52% | Beats 89% | 2 / 19 | | |
| Return on Equity | 15.35% | -2.41% | 9.38% | 13.75% | Beats 89% | 2 / 19 | | |
| Net Interest Margin | 4.60% | 3.49% | 3.77% | 4.18% | Beats 89% | 2 / 19 | | |
| Efficiency Ratio | 51.39% | 68.63% | 79.83% | 95.74% | Beats 100% | 1 / 19 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.38% | 0.61% | 1.20% | Beats 84% | 4 / 19 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 10.00% | 11.56% | 13.69% | Beats 84% | 3 / 19 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.65% | 10.00% | 11.56% | 13.69% | Beats 84% | 3 / 19 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.33% | 49.95% | 68.70% | 81.33% | 37th pctl | 12 / 19 | | |
| Loans / Assets | 50.51% | 39.83% | 58.83% | 70.01% | 37th pctl | 12 / 19 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |