Credit Union Safety Analysis
Is Riverview Credit Union Safe? South Saint Paul, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Riverview Credit Union has a net worth ratio of 16.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Riverview Credit Union's net worth ratio is 16.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.40%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.57%
- Loan-to-share ratio (Q2 2026): 101.39%
Riverview Credit Union (NCUA charter 65448, established 1979) reported $7.9M in assets and 442 members for Q2 2026 from South Saint Paul, Minnesota. It ranks 68 of 79 credit unions in Minnesota by total assets. Total assets grew 2.0% from $7.7M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was down 0.03 percentage points from 16.43% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.3M of $6.7M in total loans on its June 30, 2026 filing.
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: 16.43% for Q1 2026; 16.43% 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%.
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: 0.20% for Q1 2026; 0.60% 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: 104.21% for Q1 2026; 107.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.3M
- Used vehicle loans: $1.2M
- Other secured non-real estate loans and lines of credit: $817K
- New vehicle loans: $351K
- Other unsecured loans and lines of credit: $84K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.9M | 16.40% | — | 0.57% | 101.39% |
| March 31, 2026 | $7.8M | 16.43% | — | 0.20% | 104.21% |
| December 31, 2025 | $7.8M | 16.45% | — | -0.19% | 101.73% |
| September 30, 2025 | $7.6M | 16.76% | — | 0.61% | 105.61% |
| June 30, 2025 | $7.7M | 16.43% | — | 0.60% | 107.47% |
| March 31, 2025 | $7.7M | 16.34% | — | 0.05% | 97.65% |
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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.
Riverview Credit Union profile
Regulator records: NCUA credit union profile (charter 65448) · FFIEC NIC profile (RSSD 104092)
Frequently asked questions
Is Riverview Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Riverview Credit Union's net worth ratio is 16.40%, above the 7% NCUA threshold for well capitalized.
Is Riverview Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Riverview Credit Union is a federally insured credit union (NCUA charter 65448): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Riverview Credit Union's key safety ratios?
For Q2 2026, Riverview Credit Union reports net worth 16.40%, delinquency not reported, ROA 0.57%, loan-to-share 101.39%.
What happens to my money if Riverview Credit Union fails?
For Q2 2026, Riverview Credit Union held $6.6M in shares and deposits for 442 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.