State credit union · Vienna, Illinois · NCUA charter #61152
River to River
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $29.0M
- Total assets
- 2,421
- Members
- 14.4%
- Net-worth ratio
River to River scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.0M; members 2,421; net-worth ratio 14.36%; health rank #471 of 4,374; healthier than 87th of scored peers.
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NCUA 5300 Call Report Masthead
#471 of 4,374 health · 2025Q4River to River · health 94/100 · $29.0M · 2025Q4
Call Report peers
River to River in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River to River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); River to River sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for River to River
- Return on Assets leads the peer set - 2.11% here, 0.70% peer average (+1.40 pp).
- Net Worth Ratio trails the peer set - 14.36% here, 14.86% peer average (-0.50 pp).
Illinois standing for River to River
- In Illinois, health place is #17 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #88 of 192.
- Member book place in Illinois: #90 of 192.
- One place up in Illinois, Chicago's Bravest (#16) ties at 94/100; one place down, Israel Methcomm (#18) ties at 94/100.
River to River Call Report trajectory
River to River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $29.0M (2025Q4) to $29.2M (2026Q1).
- Net-worth ratio shifted +0.51 pp (13.85% → 14.36%).
14.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
River to River gives up 6 points in total. Member Growth costs the most, 3.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 13.2 pts
River to River health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.36% | -0.50 pp |
| Delinquency Rate | 0.57% | -0.57 pp |
| Return on Assets | 2.11% | +1.40 pp |
| Member Growth | 2.11% | - |
| Loan-to-Share Ratio | 60.85% | +1.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.2M | - |
| 2025Q4 | $29.0M | 2,421 |
| 2024Q4 | $26.7M | 2,371 |
| 2023Q4 | $25.7M | 2,327 |
Credit Union Details
- Charter Number
- 61152
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Vienna
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, River to River runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Vienna, IL |
| Bradford Scott Data Corp | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for River to River
Using this data
- River to River ranks #471 of 4,374 nationally on financial health and #17 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SIUE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SIUE
Frequently Asked Questions
Is River to River financially healthy?
River to River has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #471 of 4,374 nationally on health and #17 of 192 in Illinois. Its net worth ratio is 14.36% and its delinquency rate 0.57%.
How does River to River compare to other credit unions?
River to River scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (2.11% vs 0.70%). Its widest shortfall is net worth ratio (14.36% vs 14.86%).
How can I join River to River?
Membership eligibility for River to River depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact River to River directly for current membership requirements and application steps.
Is my money safe at River to River?
River to River 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 to River's net worth ratio of 14.36% 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.