PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Valley

Ames, IA · Charter 61664

NCUA · 2 branches

Q2 2026

$119.3MAssets
$65.6MLoans
$105.0MShares
$13.6MNet 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 0.86%, down 13 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 1.05% of loans (+32 bps YoY).
  • Capital: net worth / assets of 11.43%, up 15 bps from a year ago.
  • Funding: loans stand at 62.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-8 bps YoY

Efficiency Ratio (YTD, annualized)

68.11%+418 bps YoY

Net Worth / Assets

11.43%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.91%0.97%0.86%0.86%-13 bps
Return on Equity8.81%7.98%8.42%7.57%7.54%-127 bps
Net Interest Margin2.87%2.93%2.94%2.77%2.79%-8 bps
Efficiency Ratio63.93%64.89%64.51%67.90%68.11%+418 bps
Growth
Asset Growth (YoY)6.00%6.55%5.76%7.55%6.40%+40 bps
Loan Growth (YoY)-9.27%-6.32%1.33%3.75%5.45%+1,472 bps
Share Growth (YoY)5.66%6.20%5.55%7.44%6.17%+52 bps
Asset Quality
Delinquent Loans / Loans0.74%0.81%0.81%1.24%1.05%+32 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 Capital11.27%11.37%11.53%11.34%11.43%+15 bps
Net Worth / Assets11.27%11.37%11.53%11.34%11.43%+15 bps
Liquidity & Funding
Loans / Shares62.84%62.46%64.98%62.81%62.42%-43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps