River Community
Ottumwa, IA · Charter 64986 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$30.4MAssets
$20.0MLoans
$25.4MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets (rank 192 of 1682).
- Widest gap: net interest margin trails 52% of credit unions under $1B in assets (rank 870 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.41%
Rank 288 of 1,683
Net Interest Margin
3.79%
Rank 870 of 1,683
Efficiency Ratio
68.56%
Rank 410 of 1,682
Equity / Assets
15.83%
Rank 467 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 288 / 1,683 | | |
| Return on Equity | 8.90% | 2.67% | 5.89% | 8.74% | Beats 76% | 405 / 1,681 | | |
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 48% | 870 / 1,683 | | |
| Efficiency Ratio | 68.56% | 68.91% | 78.20% | 86.93% | Beats 76% | 410 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 192 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.83% | 10.44% | 12.89% | 16.53% | Beats 72% | 467 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.83% | 10.44% | 12.89% | 16.53% | Beats 72% | 467 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.65% | 52.61% | 69.38% | 83.50% | 67th pctl | 559 / 1,683 | | |
| Loans / Assets | 65.88% | 44.71% | 59.18% | 70.72% | 64th pctl | 606 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |