State credit union · KANKAKEE, Illinois · NCUA charter #63791
Riverside Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $45.7M
- Total assets
- 3,540
- Members
- 11.0%
- Net-worth ratio
Riverside Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.7M; members 3,540; net-worth ratio 10.96%; health rank #2,873 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,873 of 4,374 health · 2025Q4Riverside Community · health 79/100 · $45.7M · 2025Q4
- HEALTH 79/100
- NW 11.0%
- DELQ 1.42%
- ROA 1.13%
- ASSETS $45.7M
- MEM 3,540
- RANK #2,873/4,374
- PHOTO Painesville Credit Union
- BOOK 63791
Call Report peers
Riverside Community in the assets neighbourhood
Riverside Community's $45.7M assets sit next to Painesville Credit Union ($45.8M) 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.
Riverside Community 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
79 33rd percentile higher than 33% 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
Riverside Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63791. See our deposit-insurance coverage note.
Where Riverside Community diverges from peer averages
- Largest favorable gap: Return on Assets at 1.13% vs peer 0.70% (+0.42 pp).
- Loan-to-Share Ratio trails the peer set - 49.18% here, 59.80% peer average (-10.62 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Riverside Community: in-state Call Report ranks
- Illinois health ordinal: #129 of 192.
- Illinois assets place: #75 of 192.
- Member book place in Illinois: #79 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Riverside Community: 2025Q4 → 2026Q1
Riverside Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.5% from $45.7M (2025Q4) to $50.1M (2026Q1).
- Net-worth ratio shifted -0.72 pp (11.68% → 10.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.96% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.8 pts
- Return on Assets 15.0 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 10.3 pts
Riverside Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.96% | -3.90 pp |
| Delinquency Rate | 1.42% | +0.28 pp |
| Return on Assets | 1.13% | +0.42 pp |
| Member Growth | -1.17% | - |
| Loan-to-Share Ratio | 49.18% | -10.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.1M | - |
| 2025Q4 | $45.7M | 3,540 |
| 2024Q4 | $42.4M | 3,582 |
| 2023Q4 | $41.8M | 3,561 |
Credit Union Details
- Charter Number
- 63791
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- KANKAKEE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Riverside Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Riverside Community CU (Main Office) | Kankakee, IL |
| Riverside Community CU | Bourbonnais, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Riverside Community, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Riverside Community ranks #2,873 of 4,374 nationally on financial health and #129 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fox Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fox Valley
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Riverside Community financially healthy?
A 10.96% net worth ratio and a 1.42% delinquency rate feed into Riverside Community's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,873 of 4,374; by total assets it ranks #2,475 of 4,374 nationally (same basis as /rankings/largest); and #75 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Riverside Community compare to other credit unions?
PlainCU's health composite puts Riverside Community at 79/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Riverside Community?
Membership eligibility for Riverside Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Riverside Community directly for current membership requirements and application steps.
Is my money safe at Riverside Community?
Federal credit unions like Riverside Community 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. Riverside Community's net worth ratio of 10.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Riverside Community offer compared to banks?
Credit unions like Riverside Community 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 Riverside Community 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.