Federal credit union · Wyomissing, Pennsylvania · NCUA charter #5856
RIVERFRONT
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $318.4M
- Total assets
- 23,310
- Members
- 8.3%
- Net-worth ratio
RIVERFRONT scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $318.4M; members 23,310; net-worth ratio 8.30%; health rank #2,192 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,192 of 4,374 health · 2025Q4RIVERFRONT · health 84/100 · $318.4M · 2025Q4
- CHARTER 84/100
- NCUSIF 8.3%
- CAMELS 0.50%
- HEALTH 0.16%
- NW $318.4M
- DELQ 23,310
- ROA #2,192/4,374
- ASSETS Genfed Financial
- MEM 5856
Call Report peers
RIVERFRONT in the assets neighbourhood
RIVERFRONT's $318.4M assets sit next to Genfed Financial ($318.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIVERFRONT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% 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
RIVERFRONT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5856. See our deposit-insurance coverage note.
Where RIVERFRONT diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 80.18% here, 72.20% peer average (+7.98 pp).
- Net Worth Ratio trails the peer set - 8.30% here, 12.11% peer average (-3.81 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where RIVERFRONT sits in Pennsylvania
- Pennsylvania health ordinal: #108 of 275.
- Pennsylvania assets place: #32 of 275.
- Pennsylvania membership ordinal: #26 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How RIVERFRONT's 5300 filing moved
RIVERFRONT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $318.4M (2025Q4) to $324.4M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.28% → 8.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.30% | -3.81 pp |
| Delinquency Rate | 0.50% | -0.40 pp |
| Return on Assets | 0.16% | -0.47 pp |
| Member Growth | -0.12% | - |
| Loan-to-Share Ratio | 80.18% | +7.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - RIVERFRONT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $324.4M | - |
| 2025Q4 | $318.4M | 23,310 |
| 2024Q4 | $318.4M | 23,338 |
| 2023Q4 | $293.1M | 23,069 |
Credit Union Details
- Charter Number
- 5856
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Wyomissing
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, RIVERFRONT runs 2 offices.
| Office | City |
|---|---|
| Keiser Boulevard (Main Office) | Wyomissing, PA |
| Museum Road Branch | Wyomissing, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for RIVERFRONT
RIVERFRONT's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($318.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- RIVERFRONT ranks #2,192 of 4,374 nationally on financial health and #108 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NET
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is RIVERFRONT financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - RIVERFRONT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,192 of 4,374; by total assets it ranks #1,006 of 4,374 nationally (same basis as /rankings/largest); and #32 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.30% net worth ratio and 0.50% delinquency rate are the key drivers.
How does RIVERFRONT compare to other credit unions?
Five weighted metrics from NCUA filings produce RIVERFRONT's 84/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join RIVERFRONT?
RIVERFRONT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact RIVERFRONT directly for the exact boundaries and application steps.
Is my money safe at RIVERFRONT?
Federal credit unions like RIVERFRONT are 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. RIVERFRONT's net worth ratio of 8.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RIVERFRONT offer compared to banks?
Credit unions like RIVERFRONT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact RIVERFRONT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.