| Metric | Riverfall Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -4.9 pts |
| ROA | 0.14% | 0.69% | -0.5 pts |
| ROE | 1.2% | 5.9% | -4.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $196.9M | $177.1M | $88.2M | $22.9M | $71K | 0.14% | 2.44% | 1.08% | 14,300 |
| Q4 2025 | $194.4M | $175.6M | $88.2M | $22.9M | $327K | 0.17% | 2.44% | 1.52% | 14,306 |
| Q3 2025 | $190.0M | $171.4M | $88.5M | $22.8M | $297K | 0.21% | 2.47% | 1.29% | 14,287 |
| Q2 2025 | $190.2M | $172.8M | $89.7M | $22.9M | $176K | 0.19% | 2.37% | 1.67% | 14,287 |
| Q1 2025 | $189.8M | $172.4M | $90.0M | $22.8M | $63K | 0.13% | 2.31% | 1.15% | 14,330 |
| Q4 2024 | $180.0M | $164.1M | $91.2M | $22.7M | $333K | 0.18% | 2.48% | 1.27% | 14,300 |
| Q3 2024 | $176.0M | $158.3M | $92.7M | $22.7M | $157K | 0.12% | 2.51% | 1.02% | 14,304 |
| Q2 2024 | $167.6M | $151.9M | $93.9M | $22.6M | $-35K | -0.04% | 2.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Riverfall Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.14% |
| 14,206 |
Loan mix (Q1 2026): real estate $29.5M · commercial $0 · consumer $52.6M · securities $37.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 78.7% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Riverfall Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Riverfall Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Riverfall Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Riverfall Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.