Credit Union Safety Analysis
Is River Community Credit Union Safe? Ottumwa, Iowa
Based on its Q2 2026 NCUA 5300 call report, River Community Credit Union has a net worth ratio of 15.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.06%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, River Community Credit Union's net worth ratio is 15.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.06%
- Return on assets (Q2 2026): 1.60%
- Loan-to-share ratio (Q2 2026): 78.65%
River Community Credit Union (NCUA charter 64986, established 1928) reported $30.4M in assets and 3,566 members for Q2 2026 from Ottumwa, Iowa. It ranks 45 of 65 credit unions in Iowa by total assets. Total assets grew 0.7% from $30.2M on June 30, 2025. It has 65 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 1.28 percentage points from 14.55% on June 30, 2025. Used vehicle loans are its largest loan category, $9.8M of $20.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.06% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.44% for Q1 2026; 14.55% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.16% for Q1 2026; 0.40% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.23% for Q1 2026; 1.49% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 80.23% for Q1 2026; 80.60% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9.8M
- New vehicle loans: $3.7M
- 1- to 4-family residential and other consumer real estate loans: $3.3M
- Commercial loans: $1.5M
- Other secured non-real estate loans and lines of credit: $784K
- Other unsecured loans and lines of credit: $648K
- Unsecured credit card loans: $287K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.4M | 15.83% | 0.06% | 1.60% | 78.65% |
| March 31, 2026 | $30.4M | 15.44% | 0.16% | 1.23% | 80.23% |
| December 31, 2025 | $29.1M | 15.79% | 0.14% | 1.49% | 83.47% |
| September 30, 2025 | $29.6M | 15.14% | 0.44% | 1.31% | 82.93% |
| June 30, 2025 | $30.2M | 14.55% | 0.40% | 1.49% | 80.60% |
| March 31, 2025 | $30.5M | 14.02% | 0.26% | 1.06% | 78.42% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
River Community Credit Union profile
Regulator records: NCUA credit union profile (charter 64986) · FFIEC NIC profile (RSSD 325691)
Frequently asked questions
Is River Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, River Community Credit Union's net worth ratio is 15.83%, above the 7% NCUA threshold for well capitalized.
Is River Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. River Community Credit Union is a federally insured credit union (NCUA charter 64986): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are River Community Credit Union's key safety ratios?
For Q2 2026, River Community Credit Union reports net worth 15.83%, delinquency 0.06%, ROA 1.60%, loan-to-share 78.65%.
What happens to my money if River Community Credit Union fails?
For Q2 2026, River Community Credit Union held $25.4M in shares and deposits for 3,566 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.