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Credit union call report ยท Ottumwa, IA

River Community Credit Union Call Report

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River Community Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 256 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

River Community Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number64986
Federal Reserve RSSD ID325691

The official copy: search charter number 64986 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

River Community Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
River Community Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $265K
1c. Total Cash on Hand 730A $265K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5K
2c. Cash on Deposit in Other Financial Institutions 730B2 $5.5M
2. Cash on Deposit (total) 730B $5.5M
3. Time Deposits in Banks and Credit Unions AS0007 $3.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $9.3M
6. Equity Securities AS0055 $169K
11. TOTAL INVESTMENT SECURITIES AS0013 $169K
12b. Perpetual Contributed Capital 769B $40K
12c. All Other Investments AS0016 $300K
13. TOTAL OTHER INVESTMENTS AS0017 $340K
15a. Number of Total Loans and Leases 025A 1,605
15b. Total Loans and Leases 025B $20.0M
17. ACL on Loans and Leases AS0048 $82K
19. Land and Building 007 $134K
20. Other Fixed Assets 008 $16K
21. NCUA Share Insurance Capitalization Deposit 794 $236K
22d. Accrued Interest on Loans 009A $43K
22f. All Other Assets 009C $190K
22g. Total Other Assets AS0036 $233K
23. TOTAL ASSETS 010 $30.4M
Accounts Payable and Other Liabilities 825 $118K
Accrued Dividends and Interest Payable 820A $6K
Member Shares of All Types 013 $25.4M
Total Shares and Deposits 018 $25.4M
Undivided Earnings 940 $3.3M
Other Reserves 658 $1.2M
Net Income (equity) 602 $214K
Total Net Worth 997 $4.8M
Net Worth Ratio 998 15.83%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $30.4M
Statement of Income and Expense (23 items)
River Community Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $635K
3. Income from Investments 120 $144K
5. TOTAL INTEREST INCOME 115 $779K
6. Dividends on Shares 380 $204K
9. TOTAL INTEREST EXPENSE 350 $204K
10. NET INTEREST INCOME IS0010 $575K
12a. Credit Loss Expense - Loans and Leases IS0011 $18K
12e. Total Credit Loss Expense IS0017 $18K
13. Fee Income 131 $130K
14. Other Operating Income IS0020 $26K
15. Gain (Loss) on Equity/Trading Securities IS0046 $6K
23. TOTAL NON-INTEREST INCOME 117 $163K
24. Employee Compensation and Benefits 210 $211K
25. Travel and Conference 230 $2K
26. Office Occupancy 250 $21K
27. Office Operations 260 $44K
28. Educational and Promotional 270 $13K
29. Loan Servicing 280 $38K
30. Professional and Outside Services 290 $130K
32. Operating Fees 320 $9K
33. Miscellaneous Operating Expense 360 $38K
34. TOTAL NON-INTEREST EXPENSE 671 $506K
35. NET INCOME 661A $214K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

River Community Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $190K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $9K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $945
Loans Granted Year-to-Date 031A $329
Amount of Loans Granted Year-to-Date 031B $4.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $12K
Number of current members (not number of accounts) 083 3,566
Number of potential members 084 119,530
Interest Rate of Unsecured Credit Card Loans 521 1,190.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,225.00%
Interest Rate of New Vehicle Loans 523 550.00%
Interest Rate of Used Vehicle Loans 524 550.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $23K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $4K
Amount of Regular Shares 657 $7.7M
Amount of Share Drafts 902 $3.9M
IRA/KEOGH Accounts - < 1 Year 906A $1.6M
Share Certificates - < 1 Year 908A $7.3M
Total Amount of Share Certificates 908C $8.5M
Total Amount of Money Market Shares 911 $3.7M
Number of Used Vehicle Loans 968 580
NCUA data file FS220A (18 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

River Community Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $24.2M
Total Shares - 1-3 Years 013B1 $1.3M
Total Shares and Deposits - < 1 Year 018A $24.2M
Total Shares and Deposits - 1-3 Years 018B1 $1.3M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $9.8M
Amount of New Vehicle Loans 385 $3.7M
Amount of Unsecured Credit Card Loans 396 $287K
Amount of All Other Unsecured Loans/Lines of Credit 397 $648K
Share Certificates 451 $284
Number of Accounts for Share Drafts 452 1,624
IRA/KEOGH Accounts 453 $54
Number of Accounts for Regular Shares 454 3,845
Money Market Shares 458 $103
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,910
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Total credit lines 881 $940K
NCUA data file FS220B (19 items)

maturity and repricing buckets (40%), credit cards (17%)

River Community Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $3K
Number - Total Delinquent Credit Card Loans 045A 2
Total Amount of Delinquent Unsecured Credit Card Loans 045B $5K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $783K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $783K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $24.7M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $7.7M
Amount of Share Drafts - < 1 Year 902A $3.9M
Total Amount of IRA/KEOGH Accounts 906C $1.6M
Share Certificates - 1-3 Years 908B1 $1.3M
Money Market Shares - < 1 Year 911A $3.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $128K
Number of New Vehicle Loans 958 138
Total Shares 966 $6K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $25K
Number of Unsecured Credit Card Loans 993 342
Number of All Other Unsecured Loans/Lines of Credit 994 409
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 15
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

River Community Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.9M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $647K
Amount of Participation Loans Purchased Year-to-Date 690 $100K
NCUA data file FS220D (17 items)

member services and products offered (69%), CUSO relationships (27%)

River Community Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
No Cost Bill Payer 879C2 $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
NCUA data file FS220G (9 items)

loans and leases (32%), participation loans (18%)

River Community Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $49K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.6M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $97K
Total Value of Investments in CUSOs 851 $40K
Total Amount Loaned to CUSOs 852 $238K
Total Aggregate Cash Outlay in CUSOs 853 $40K
Total Credit Lines at Corporate Credit Unions 884 $300K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $49K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $49K
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

River Community Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.1M
NCUA data file FS220I (6 items)

vehicle lending (59%), delinquency (44%)

River Community Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $115K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $19K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $829
Commercial Share Accounts 643 $899K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
Total Other Credit Lines 884D $640K
NCUA data file FS220J (1 item)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

River Community Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $169K
NCUA data file FS220L (25 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

River Community Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $20.0M
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Number of purchased or participation interests in commercial loans secured by Multifamily property to nonmembers purchased YTD 090M1 1
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 2
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $146K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $18K
Total outstanding balance of nonmember commercial loans 400B1 $1.5M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $1.1M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $338K
Outstanding balance of all member and non-member commercial loans 400T1 $1.5M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $100K
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $100K
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property purchased YTD 475M1 $100K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 500.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 725.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 300.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 300.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $1.4M
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $146K
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $784K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $3.3M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $1.5M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $1.5M
NCUA data file FS220M (13 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

River Community Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.1M
Total Unfunded Commitments for Commercial Loans 814K $46K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $23K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.1M
Total number of nonmember commercial loans 900B1 $17
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 12
Total number of real estate secured nonmember commercial loans 900K3 $17
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 17
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 3
Total Number of Member and Nonmember commercial loans 900T1 $17
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 59
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 2
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 58
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

River Community Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities >5 and <= 10 Years AS0053 $169K
Total Liabilities LI0069 $25.6M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $30.4M
NCUA data file FS220P (9 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

River Community Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $4K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $3K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $1.4M
Unsecured Credit Card Loans DL0002 $2K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $74K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $7K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $7K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2K
NCUA data file FS220Q (20 items)

investment portfolio detail (69%)

River Community Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Trading Investments - Equity Securities - Other Equities NV0108 $169K
Trading Investments - Equity Securities - Total Equity Securities NV0109 $169K
Total Trading Debt and Equity Securities NV0110 $169K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.6M
Investment Maturity Distribution - Time Deposits - Total NV0116 $3.6M
Investment Maturity Distribution - Equity Securities - Total NV0122 $169K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $300K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $40K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $340K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $3.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $169K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $40K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $4.1M
RBC Total Equity RB0001 $4.8M
RBC Allowance for Credit Losses RB0002 $82K
RBC Total Additions RB0005 $82K
RBC Total Deductions RB0009 $236K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $4.7M
RBC Risk-Based Capital Numerator RB0012 $4.7M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $100K
NCUA data file FS220R (34 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

River Community Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $509K
RBC Schedule Total Consumer Loans RB0060 $15.2M
RBC Schedule Total Commercial Loans RB0068 $1.5M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $82K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $82K
RBC Schedule Total Loans RB0079 $19.9M
RBC Total for Risk Weighting Total Loans RB0081 -$82K
RBC Total Loans 0% Weight RB0082 -$82K
RBC Schedule Total Other Assets RB0088 $619K
RBC Total for Risk Weighting Other Assets RB0090 $236K
RBC Other Assets 0% Weight RB0091 $236K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $30.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $154K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $154K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $30.4M
RBC Allowance for Credit Losses (Loans) RB0177 $82K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 710,230.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 38.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 2,388,280.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $4
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $11K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $1
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $86K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 6.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 64,060.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $3.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 17,845.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $18K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $61
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.3M
Total Shares SH0013 $25.4M
Total Shares and Deposits SH0018 $25.4M

River Community Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the River Community Credit Union call report?

The River Community Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does River Community Credit Union file?

River Community Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the River Community Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for River Community Credit Union is 64986.

How often does River Community Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

River Community Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.