State credit union · Ottumwa, Iowa · NCUA charter #64986
River Community
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $29.1M
- Total assets
- 3,651
- Members
- 15.4%
- Net-worth ratio
River Community scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.1M; members 3,651; net-worth ratio 15.44%; health rank #334 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#334 of 4,374 health · 2025Q4River Community · health 95/100 · $29.1M · 2025Q4
Call Report peers
River Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); River Community sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
River Community vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.67 pp (83.47% vs 59.80%).
Iowa standing for River Community
- In Iowa, health place is #6 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, River Community is #45 of 66 in Iowa.
- Iowa membership ordinal: #39 of 66.
- One place up in Iowa, Telco Triad Community (#5) scores 96/100, 1 point higher; one place down, CENT (#7) ties at 95/100.
River Community: 2025Q4 → 2026Q1
River Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $29.1M (2025Q4) to $30.4M (2026Q1).
- Net-worth ratio shifted -0.35 pp (15.79% → 15.44%).
15.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
River Community gives up 5 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 15.1 pts
River Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.44% | +0.58 pp |
| Delinquency Rate | 0.14% | -1.00 pp |
| Return on Assets | 1.18% | +0.48 pp |
| Member Growth | 0.75% | - |
| Loan-to-Share Ratio | 83.47% | +23.67 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.4M | - |
| 2025Q4 | $29.1M | 3,651 |
| 2024Q4 | $29.6M | 3,624 |
| 2023Q4 | $28.9M | 3,566 |
Credit Union Details
- Charter Number
- 64986
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Ottumwa
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for River Community.
| Office | City |
|---|---|
| River Community C. U. (Main Office) | Ottumwa, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- River Community ranks #334 of 4,374 nationally on financial health and #6 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Casebine Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Casebine Community
Frequently Asked Questions
Is River Community financially healthy?
River Community has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #334 of 4,374 nationally on health and #6 of 66 in Iowa. Its net worth ratio is 15.44% and its delinquency rate 0.14%.
How does River Community compare to other credit unions?
River Community scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.47% vs 59.80%).
How can I join River Community?
Membership eligibility for River Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact River Community directly for current membership requirements and application steps.
Is my money safe at River Community?
River Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. River Community's net worth ratio of 15.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.