State credit union · SOUTH SAINT PAU, Minnesota · NCUA charter #65448
RIVERVIEW
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $7.8M
- Total assets
- 441
- Members
- 16.4%
- Net-worth ratio
RIVERVIEW scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 441; net-worth ratio 16.43%; health rank #3,056 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,056 of 4,374 health · 2025Q4RIVERVIEW · health 77/100 · $7.8M · 2025Q4
- ROA 77/100
- ASSETS 16.4%
- MEM 0.00%
- RANK 0.29%
- PHOTO $7.8M
- BOOK 441
- CHARTER #3,056/4,374
- NCUSIF n/a
- CAMELS 65448
Call Report peers
RIVERVIEW carries $7.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIVERVIEW 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
77 28th percentile higher than 28% 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
RIVERVIEW - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65448: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
RIVERVIEW: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 101.73% here, 63.60% peer average (+38.13 pp).
- Net Worth Ratio trails the peer set - 16.43% here, 19.06% peer average (-2.63 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
RIVERVIEW: in-state Call Report ranks
- Minnesota health ordinal: #69 of 82.
- Assets rank #72 of 82 inside Minnesota ($7.8M reported).
- Minnesota membership ordinal: #78 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How RIVERVIEW's 5300 filing moved
RIVERVIEW: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $7.8M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (16.45% → 16.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 10.1 pts
Call Report ratios for RIVERVIEW
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.43% | -2.63 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.29% | -0.16 pp |
| Member Growth | -4.96% | - |
| Loan-to-Share Ratio | 101.73% | +38.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - RIVERVIEW
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.8M | - |
| 2025Q4 | $7.8M | 441 |
| 2024Q4 | $7.5M | 464 |
| 2023Q4 | $7.5M | 503 |
Credit Union Details
- Charter Number
- 65448
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- SOUTH SAINT PAU
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, RIVERVIEW runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | South Saint Paul, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
- DULUTH POLICE DEPARTMENT EMPLOYEESDULUTH, MN · $2M–$10M91Health
- DULUTH FIRE DEPARTMENTDULUTH, MN · $2M–$10M93Health
- ELECTRIC MACHINERY EMPLOYEESMINNEAPOLIS, MN · $2M–$10M63Health
- RED LAKE CO OPRed Lake Falls, MN · $2M–$10M95Health
- MOWER COUNTY CATHOLIC PARISHESAustin, MN · $2M–$10M79Health
RIVERVIEW nationwide neighbourhoods
Cross-state asset and health neighbours for RIVERVIEW - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- RIVERVIEW ranks #3,056 of 4,374 nationally on financial health and #69 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Duluth Police Department Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Duluth Police Department Employees
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 RIVERVIEW financially healthy?
RIVERVIEW has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,056 of 4,374; by total assets it ranks #3,688 of 4,374 nationally (same basis as /rankings/largest); and #72 of 82 within Minnesota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.43% and delinquency rate of 0.00%.
How does RIVERVIEW compare to other credit unions?
77/100 is RIVERVIEW's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 RIVERVIEW?
Membership eligibility for RIVERVIEW depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RIVERVIEW directly for current membership requirements and application steps.
Is my money safe at RIVERVIEW?
Federal credit unions like RIVERVIEW 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. RIVERVIEW's net worth ratio of 16.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RIVERVIEW offer compared to banks?
Credit unions like RIVERVIEW 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 RIVERVIEW 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.