River Valley
Ames, IA · Charter 61664 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$119.3MAssets
$65.6MLoans
$105.0MShares
$13.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of credit unions under $1B in assets (rank 401 of 1682).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1544 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.86%
Rank 726 of 1,683
Net Interest Margin
2.79%
Rank 1,544 of 1,683
Efficiency Ratio
68.14%
Rank 401 of 1,682
Equity / Assets
11.43%
Rank 1,086 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 726 / 1,683 | |
| Return on Equity | 7.54% | 2.67% | 5.89% | 8.74% | Beats 66% | 579 / 1,681 | |
| Net Interest Margin | 2.79% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,544 / 1,683 | |
| Efficiency Ratio | 68.14% | 68.91% | 78.20% | 86.93% | Beats 76% | 401 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,158 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,086 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.43% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,086 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 62.42% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,039 / 1,683 | |
| Loans / Assets | 54.94% | 44.71% | 59.18% | 70.72% | 42nd pctl | 975 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |