TellerScore

River Community Credit Union is a federally insured state-chartered credit union headquartered in Ottumwa, Iowa, in business for about 98 years. At the end of Q2 2026 it reported $30.4M in total assets and $25.4M in member shares and deposits.

River Community Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 6th. Capital cushion contributes the most (100/100, 15.83%); earnings contributes the least (76/100, 1.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.83%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity82/100
Loans ÷ shares: 78.7% · 3.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (86 → 92), mostly because the loan quality component improved by 11 points.

TellerScore
848892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202484
Q4 202486
Q1 202584
Q2 202586
Q3 202587
Q4 202590
Q1 202689
Q2 202692
Net worth ratio
7.00%11.41%15.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.97%
Q3 202414.15%
Q4 202414.18%
Q1 202514.02%
Q2 202514.55%
Q3 202515.14%
Q4 202515.79%
Q1 202615.44%
Q2 202615.83%
Delinquent loans (60+ days)
0.06%0.25%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.31%
Q4 20240.23%
Q1 20250.26%
Q2 20250.40%
Q3 20250.44%
Q4 20250.14%
Q1 20260.16%
Q2 20260.06%
Return on assets
1.06%1.24%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.09%
Q4 20241.16%
Q1 20251.06%
Q2 20251.28%
Q3 20251.31%
Q4 20251.37%
Q1 20261.23%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$30.4M15.83%0.06%1.41%78.7%
Q1 202689$30.4M15.44%0.16%1.23%80.2%
Q4 202590$29.1M15.79%0.14%1.37%83.5%
Q3 202587$29.6M15.14%0.44%1.31%82.9%
Q2 202586$30.2M14.55%0.40%1.28%80.6%
Q1 202584$30.5M14.02%0.26%1.06%78.4%
Q4 202486$29.6M14.18%0.23%1.16%80.9%
Q3 202484$28.9M14.15%0.31%1.09%84.3%
Q2 202485$28.7M13.97%0.19%1.14%84.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.83%
59th
Problem loans0.06%
83rd
Net charge-offs0.19%
48th
Return on assets1.41%
82nd
Loans to deposits78.7%
21st
Uninsured deposits3.1%
36th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
80th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
Casebine Community Credit UnionCredit union Burlington, IA95 out of 100, Very strong$29.1M22.5%0.08%vs
Aegis Credit UnionCredit union Clinton, IA77 out of 100, Strong$27.3M17.6%1.83%vs
Meridian Credit UnionCredit union Ottumwa, IA91 out of 100, Very strong$34.4M16.7%0.14%vs
Family Community Credit UnionCredit union Charles City, IA82 out of 100, Strong$26.3M12.1%0.08%vs
Holy Ghost Parish Credit UnionCredit union Dubuque, IA71 out of 100, Strong$34.9M9.8%0.00%vs

Deposit insurance

Is my money safe at River Community Credit Union?

Yes. River Community Credit Union is a federally insured credit union (NCUA charter #64986). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.1% of shares and deposits ($783K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
River Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64986
RSSD ID
325691
Primary regulator
State + NCUA
Established
1928
Headquarters
644 W 2nd Street, Ottumwa, IA 52501
Employees
6

Quick answers

River Community Credit Union: common questions

Is River Community Credit Union NCUA insured?

Yes. River Community Credit Union is a federally insured credit union (NCUA charter #64986). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is River Community Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.