PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River to River

Vienna, IL · Charter 61152

NCUA · 2 branches

Q2 2026

$29.7MAssets
$15.0MLoans
$25.3MShares
$4.4MNet 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 2.25%, down 38 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.23% of loans (-45 bps YoY).
  • Capital: net worth / assets of 14.65%, up 202 bps from a year ago.
  • Funding: loans stand at 59.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.25%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.61%0 bps YoY

Efficiency Ratio (YTD, annualized)

51.29%+147 bps YoY

Net Worth / Assets

14.65%+202 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.63%2.71%2.53%2.39%2.25%-38 bps
Return on Equity20.80%19.58%18.26%16.67%15.33%-546 bps
Net Interest Margin4.61%4.88%4.71%4.67%4.61%0 bps
Efficiency Ratio49.81%50.09%51.17%51.87%51.29%+147 bps
Growth
Asset Growth (YoY)7.56%4.71%8.61%4.32%2.36%-519 bps
Loan Growth (YoY)14.80%10.36%13.14%10.21%2.88%-1,193 bps
Share Growth (YoY)5.48%2.23%6.67%1.99%-0.01%-549 bps
Asset Quality
Delinquent Loans / Loans0.68%0.50%0.57%0.26%0.23%-45 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 Capital12.63%13.81%13.85%14.36%14.65%+202 bps
Net Worth / Assets12.63%13.81%13.85%14.36%14.65%+202 bps
Liquidity & Funding
Loans / Shares57.67%61.68%60.85%60.63%59.33%+166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps