PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Valley Community

Camden, AR · Charter 8812

NCUA · 2 branches

Q2 2026

$64.3MAssets
$44.3MLoans
$55.0MShares
$8.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.04%, down 56 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 1.25% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.91%, up 69 bps from a year ago.
  • Funding: loans stand at 80.67% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.04%-56 bps YoY

Net Interest Margin (quarter, annualized)

4.86%-11 bps YoY

Efficiency Ratio (quarter, annualized)

77.45%+671 bps YoY

Net Worth / Assets

13.91%+69 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.32%1.67%1.60%1.63%1.57%0.90%1.04%-56 bps
Return on Equity8.47%10.23%13.05%12.12%12.15%11.36%6.66%7.47%-464 bps
Net Interest Margin4.80%4.88%4.85%4.97%4.96%5.03%4.74%4.86%-11 bps
Efficiency Ratio74.60%76.42%67.74%70.74%70.35%71.94%76.53%77.45%+671 bps
Growth
Asset Growth (YoY)3.24%5.08%4.89%3.73%5.58%4.83%4.80%4.51%+78 bps
Loan Growth (YoY)14.35%15.84%13.39%3.00%3.57%1.92%-1.33%-0.70%-369 bps
Share Growth (YoY)2.28%4.22%3.91%3.18%3.59%3.49%4.08%3.46%+28 bps
Asset Quality
Delinquent Loans / Loans0.55%0.76%1.21%1.29%1.20%1.65%0.85%1.25%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.29%12.87%12.81%13.22%13.43%13.85%13.56%13.91%+69 bps
Net Worth / Assets12.29%12.87%12.81%13.22%13.43%13.85%13.56%13.91%+69 bps
Liquidity & Funding
Loans / Shares84.33%86.28%83.94%84.04%84.32%84.97%79.58%80.67%-337 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps