Riverside Community Federal Credit Union
Total assets
$58.3M
▲ +0.6% YoY
Shares & deposits
$49.7M
▼ -0.4% YoY
Loans
$47.6M
▲ +8.0% YoY
Members
5,886
▼ -2.1% YoY
ROA (annualized)
1.42%
peers 0.60%
ROE (annualized)
9.76%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | +8.0% | -2.4% | +10.3 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 101 N Washington St, Marion, IN, 46952
- NCUA charter #
- 3775
- RSSD ID
- 406675
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.3M | $49.7M | $47.6M | $8.5M | $207K | 1.42% | 4.17% | 0.73% | 5,886 |
| Q4 2025 | $56.4M | $48.0M | $46.8M | $8.3M | $659K | 1.17% | 4.26% | 0.14% | 5,870 |
| Q3 2025 | $56.3M | $48.0M | $46.2M | $8.2M | $443K | 1.05% | 4.20% | 0.07% | 5,885 |
| Q2 2025 | $57.4M | $49.0M | $46.0M | $8.2M | $500K | 1.74% | 4.88% | 0.09% | 6,050 |
| Q1 2025 | $58.0M | $49.9M | $44.1M | $8.0M | $254K | 1.76% | 4.68% | 0.15% | 6,015 |
| Q4 2024 | $56.2M | $48.4M | $43.6M | $7.7M | $697K | 1.24% | 3.96% | 0.18% | 5,980 |
| Q3 2024 | $54.8M | $47.2M | $43.6M | $7.5M | $428K | 1.04% | 3.83% | 0.20% | 5,881 |
| Q2 2024 | $54.8M | $47.3M | $44.9M | $7.3M | $234K | 0.85% | 3.67% | 0.17% | 6,002 |
Loan mix (Q1 2026): real estate $6.0M · commercial $9.9M · consumer $27.7M · securities $3.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 81.5% | 30th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Harvester Financial Credit UnionIndianapolis, IN · $82.4M
- Kemba Indianapolis Credit UnionIndianapolis, IN · $84.2M
- Public Service #3 Credit UnionFort Wayne, IN · $87.5M
- Lampco Federal Credit UnionAnderson, IN · $89.3M
- Firefighters Credit UnionIndianapolis, IN · $89.6M
- Evansville Federal Credit UnionEvansville, IN · $90.8M
Selling to Riverside Community Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.