Side-by-side · Q2 2026 data
Legence Bank vs River to River Credit Union
Metric by metric
| Measure | Legence Bank | River to River Credit Union |
|---|---|---|
| TellerScore | 70 | 97 (stronger) |
| Capital cushion | 45 | 97 (stronger) |
| Loan quality | 61 | 92 (stronger) |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 43rd | 98th |
| Total assets | $642.9M | $29.7M |
| Deposits / shares | $573.6M | $25.3M |
| Capital ratio | 9.55% | 14.65% (stronger) |
| Problem loans | 1.17% | 0.23% (stronger) |
| Net charge-offs | 0.44% | 0.12% (stronger) |
| Return on assets | 1.96% | 2.25% (stronger) |
| Loans ÷ deposits | 69.0% | 59.3% (stronger) |
| Uninsured deposits | 21.2% | 0.8% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
River to River Credit Union has the higher TellerScore (97 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Legence Bank leads on 0 and River to River Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Vienna, IL