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River Valley

N. Brattleboro, VT · Charter 64365

NCUA · 5 branches

Q3 2020

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: Q3 2020, the quarter ended September 30, 2020, 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

River Valley

N. Brattleboro, VT · Charter 64365

NCUA · 5 branches

Q3 2020

$154.9MAssets
$110.6MLoans
$142.4MShares
$11.8MNet 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 0.41%, down 80 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.89% of loans (-10 bps YoY).
  • Capital: net worth / assets of 7.60%, down 118 bps from a year ago.
  • Funding: loans stand at 77.69% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.41%-80 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-126 bps YoY

Efficiency Ratio (YTD, annualized)

82.05%+561 bps YoY

Net Worth / Assets

7.60%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.20%1.24%0.75%0.65%0.41%-80 bps
Return on Equity13.71%13.58%8.39%8.11%5.33%-838 bps
Net Interest Margin5.00%5.00%4.58%3.95%3.73%-126 bps
Efficiency Ratio76.44%76.07%81.14%80.16%82.05%+561 bps
Growth
Asset Growth (YoY)11.32%7.56%12.27%22.34%24.90%+1,358 bps
Loan Growth (YoY)10.60%7.17%5.46%1.48%0.45%-1,015 bps
Share Growth (YoY)9.09%12.30%13.38%29.75%34.03%+2,494 bps
Asset Quality
Delinquent Loans / Loans0.99%1.40%1.30%0.83%0.89%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.82%0.90%1.00%0.89%+11 bps
Capital
Risk-Based Capital8.78%9.12%8.93%7.96%7.60%-118 bps
Net Worth / Assets8.78%9.12%8.93%7.96%7.60%-118 bps
Liquidity & Funding
Loans / Shares103.67%97.52%92.48%81.15%77.69%-2,597 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps