PackageTrendsPeer
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Riverview

South Saint Pau, MN · Charter 65448

NCUA · 1 branch

Q2 2026

$7.9MAssets
$6.7MLoans
$6.6MShares
$1.3MNet 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 0.38%, up 6 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.40%, down 3 bps from a year ago.
  • Funding: loans stand at 101.39% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.38%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+13 bps YoY

Efficiency Ratio (quarter, annualized)

91.27%-118 bps YoY

Net Worth / Assets

16.40%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.42%0.26%0.20%0.38%+6 bps
Return on Equity1.98%2.53%1.61%1.23%2.35%+36 bps
Net Interest Margin4.03%4.22%4.19%4.17%4.15%+13 bps
Efficiency Ratio92.45%90.60%94.14%95.38%91.27%-118 bps
Growth
Asset Growth (YoY)2.02%2.37%3.17%1.32%2.03%0 bps
Loan Growth (YoY)8.15%6.93%1.82%8.19%-3.54%-1,170 bps
Share Growth (YoY)2.00%2.49%3.42%1.37%2.24%+24 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.14%1.16%1.13%1.15%+4 bps
Capital
Risk-Based Capital16.43%16.76%16.45%16.43%16.40%-3 bps
Net Worth / Assets16.43%16.76%16.45%16.43%16.40%-3 bps
Liquidity & Funding
Loans / Shares107.47%105.61%101.73%104.21%101.39%-608 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps