River Valley Community
Camden, AR · Charter 8812 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$64.3MAssets
$44.3MLoans
$55.0MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 182 of 1683).
- Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets (rank 1252 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.04%
Rank 558 of 1,683
Net Interest Margin
4.86%
Rank 182 of 1,683
Efficiency Ratio
77.43%
Rank 800 of 1,682
Equity / Assets
13.91%
Rank 687 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 558 / 1,683 | | |
| Return on Equity | 7.47% | 2.67% | 5.89% | 8.74% | Beats 65% | 588 / 1,681 | | |
| Net Interest Margin | 4.86% | 3.31% | 3.82% | 4.32% | Beats 89% | 182 / 1,683 | | |
| Efficiency Ratio | 77.43% | 68.91% | 78.20% | 86.93% | Beats 52% | 800 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.25% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,252 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 687 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 687 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.67% | 52.61% | 69.38% | 83.50% | 71st pctl | 495 / 1,683 | | |
| Loans / Assets | 68.98% | 44.71% | 59.18% | 70.72% | 71st pctl | 484 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |