Federal credit union · PEARL, Mississippi · NCUA charter #473
RIVERTRUST
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $165.8M
- Total assets
- 7,604
- Members
- 19.1%
- Net-worth ratio
RIVERTRUST scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $165.8M; members 7,604; net-worth ratio 19.05%; health rank #573 of 4,374; healthier than 84th of scored peers.
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NCUA 5300 Call Report Masthead
#573 of 4,374 health · 2025Q4RIVERTRUST · health 93/100 · $165.8M · 2025Q4
Call Report peers
RIVERTRUST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIVERTRUST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RIVERTRUST sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where RIVERTRUST diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +6.94 pp (19.05% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 61.55% vs peer 72.20% (-10.65 pp).
RIVERTRUST: in-state Call Report ranks
- In Mississippi, health place is #8 of 55 on the same NCUA-ratio sort used nationally.
- By total assets, RIVERTRUST is #9 of 55 in Mississippi.
- Member book place in Mississippi: #16 of 55.
- One place up in Mississippi, STATEWIDE (#7) scores 94/100, 1 point higher; one place down, NAVIGATOR (#9) ties at 93/100.
RIVERTRUST: 2025Q4 → 2026Q1
RIVERTRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $165.8M (2025Q4) to $168.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (19.15% → 19.05%).
This credit union's 19.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
RIVERTRUST gives up 7 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for RIVERTRUST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.05% | +6.94 pp |
| Delinquency Rate | 0.56% | -0.34 pp |
| Return on Assets | 0.62% | -0.00 pp |
| Member Growth | 0.98% | - |
| Loan-to-Share Ratio | 61.55% | -10.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $168.2M | - |
| 2025Q4 | $165.8M | 7,604 |
| 2024Q4 | $161.5M | 7,530 |
| 2023Q4 | $167.0M | 7,441 |
Credit Union Details
- Charter Number
- 473
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- PEARL
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, RIVERTRUST runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Rivertrust (Main Office) | Pearl, MS |
| Fiserv | Frisco, TX |
| Eagle Express FCU | Jackson, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
RIVERTRUST nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- RIVERTRUST ranks #573 of 4,374 nationally on financial health and #8 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jackson Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jackson Area
Frequently Asked Questions
Is RIVERTRUST financially healthy?
On its 2025Q4 NCUA 5300 filing, RIVERTRUST scores 93/100 (Excellent), with a 19.05% net worth ratio and 0.56% of loans delinquent. It ranks #573 of 4,374 nationally on health and #8 of 55 in Mississippi.
How does RIVERTRUST compare to other credit unions?
RIVERTRUST scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (19.05% vs 12.11%). Its widest shortfall is loan-to-share ratio (61.55% vs 72.20%).
How can I join RIVERTRUST?
RIVERTRUST 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 RIVERTRUST directly for the exact boundaries and application steps.
Is my money safe at RIVERTRUST?
RIVERTRUST is a federal 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. RIVERTRUST's net worth ratio of 19.05% 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.