Side-by-side · Q2 2026 data
United Bank of Iowa vs River Valley Credit Union
Metric by metric
| Measure | United Bank of Iowa | River Valley Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 53 | 64 (stronger) |
| Loan quality | 91 (stronger) | 65 |
| Earnings | 72 (stronger) | 54 |
| Funding & liquidity | 72 | 98 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 70th | 51st |
| Total assets | $2.5B | $119.3M |
| Deposits / shares | $2.0B | $105.0M |
| Capital ratio | 10.34% | 11.43% (stronger) |
| Problem loans | 0.26% (stronger) | 1.05% |
| Net charge-offs | -0.01% (stronger) | 0.21% |
| Return on assets | 1.29% (stronger) | 0.86% |
| Loans ÷ deposits | 84.4% | 62.4% (stronger) |
| Uninsured deposits | 18.2% | 14.8% (stronger) |
| Offices | 36 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
United Bank of Iowa has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 4 and River Valley Credit Union on 3. 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.