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Riverview

Belpre, OH · Charter 62413

NCUA · 2 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Riverview

Belpre, OH · Charter 62413

NCUA · 2 branches

Q1 2018

$63.9MAssets
$27.7MLoans
$48.9MShares
$9.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 37 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.25% of loans (-1 bps YoY).
  • Capital: net worth / assets of 14.08%, down 54 bps from a year ago.
  • Funding: loans stand at 56.64% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

0.50%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+51 bps YoY

Efficiency Ratio (YTD, annualized)

86.52%-819 bps YoY

Net Worth / Assets

14.08%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.12%-0.11%-0.08%0.13%0.07%0.15%0.17%0.50%+37 bps
Return on Equity-0.79%-0.69%-0.52%0.91%0.48%1.03%1.17%3.56%+265 bps
Net Interest Margin1.83%1.83%1.89%1.94%2.10%2.20%2.25%2.45%+51 bps
Efficiency Ratio99.27%98.83%98.20%94.71%93.20%90.09%89.79%86.52%-819 bps
Growth
Asset Growth (YoY)8.95%13.41%14.04%17.71%7.75%4.34%8.63%5.74%-1,197 bps
Loan Growth (YoY)19.15%16.59%19.78%27.81%24.59%26.81%25.76%26.25%-155 bps
Share Growth (YoY)-1.07%4.25%5.06%8.43%8.95%4.28%9.67%6.92%-151 bps
Asset Quality
Delinquent Loans / Loans0.22%0.36%0.36%0.26%0.82%0.24%0.19%0.25%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.73%0.73%0.66%0.66%0.66%0.66%0.67%+1 bps
Capital
Risk-Based Capital15.70%15.15%15.45%14.61%14.58%14.64%14.39%14.08%-54 bps
Net Worth / Assets15.70%15.15%15.45%14.61%14.58%14.64%14.39%14.08%-54 bps
Liquidity & Funding
Loans / Shares44.63%44.06%47.90%47.97%51.04%53.58%54.92%56.64%+867 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps