RIVERVIEW
Charter #65448 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
RIVERVIEW has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Average Member Relationship (AMR): Top 4.5% in tier
- + AMR Growth Rate: Top 7.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 9.21% above tier (higher cost structure)
- - Member decline: -6.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
445
-6.1% YoY-2.0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 12.3% in tier |
| Assets |
$7.6M
+2.4% YoY-1.0% QoQ
|
$-22.2M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$6.7M
+6.9% YoY-3.1% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$6.3M
+2.5% YoY-1.4% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
0.4%
-4.1% YoY+29.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
33rd in tier |
| NIM |
4.2%
+3.5% YoY+4.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
90.6%
+0.7% YoY-2.0% QoQ
|
+9.2% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 22.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
105.6%
+4.3% YoY-1.7% QoQ
|
+44.4% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$29,314
+11.5% YoY-0.3% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 4.5% in tier |
| CD Concentration |
23.1%
+13.7% YoY+8.7% QoQ
|
-1.3% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
49
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,057
Peer Avg: $5,488
#49 of 2596
Top 1.8% in <100M tier
60
Loan-to-Share Ratio
balance_sheet
Value:
105.61%
Peer Avg: 61.23%
#60 of 2596
Top 2.3% in <100M tier
117
Average Member Relationship (AMR)
engagement
Value:
$29,314
Peer Avg: $14,627
#117 of 2596
Top 4.5% in <100M tier
188
AMR Growth Rate
growth
Value:
11.54%
Peer Avg: 4.67%
#188 of 2596
Top 7.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
419
Loan Growth Rate
growth
Value:
6.93%
Peer Avg: 59.01%
#419 of 2596
Top 16.1% in <100M tier
Top Weaknesses (5 metrics)
2277
Member Growth Rate
growth
Value:
-6.12%
Peer Avg: 14.92%
#2277 of 2596
Bottom 12.3% in <100M tier
2276
Total Members
engagement
Value:
445
Peer Avg: 2,626
#2276 of 2596
Bottom 12.4% in <100M tier
2260
First Mortgage Concentration (%)
balance_sheet
Value:
40.20%
Peer Avg: 14.49%
#2260 of 2596
Bottom 13.0% in <100M tier
2091
Members Per Employee (MPE)
engagement
Value:
222.500
Peer Avg: 365.701
#2091 of 2596
Bottom 19.5% in <100M tier
2020
Efficiency Ratio
profitability
Value:
90.60%
Peer Avg: 81.39%
#2020 of 2596
Bottom 22.2% in <100M tier