TellerScore

River to River Credit Union is a federally insured state-chartered credit union headquartered in Vienna, Illinois, in business for about 54 years. At the end of Q2 2026 it reported $29.7M in total assets and $25.3M in member shares and deposits, with 1 office.

River to River Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 8th. Earnings contributes the most (100/100, 2.25%); loan quality contributes the least (92/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.65%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings100/100
Return on assets (annualized): 2.25%
Funding & liquidity100/100
Loans ÷ shares: 59.3% · 0.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.86%

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 10 points (87 → 97), mostly because the capital cushion component improved by 21 points.

TellerScore
839097Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202488
Q1 202590
Q2 202587
Q3 202592
Q4 202591
Q1 202696
Q2 202697
Net worth ratio
7.00%10.82%14.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.95%
Q3 202411.76%
Q4 202412.29%
Q1 202512.41%
Q2 202512.63%
Q3 202513.81%
Q4 202513.85%
Q1 202614.36%
Q2 202614.65%
Delinquent loans (60+ days)
0.23%0.46%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.46%
Q4 20240.40%
Q1 20250.31%
Q2 20250.68%
Q3 20250.50%
Q4 20250.57%
Q1 20260.26%
Q2 20260.23%
Return on assets
2.07%2.39%2.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.07%
Q3 20242.28%
Q4 20242.29%
Q1 20252.71%
Q2 20252.63%
Q3 20252.71%
Q4 20252.53%
Q1 20262.39%
Q2 20262.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$29.7M14.65%0.23%2.25%59.3%
Q1 202696$29.2M14.36%0.26%2.39%60.6%
Q4 202591$29.0M13.85%0.57%2.53%60.9%
Q3 202592$27.9M13.81%0.50%2.71%61.7%
Q2 202587$29.0M12.63%0.68%2.63%57.7%
Q1 202590$28.0M12.41%0.31%2.71%56.1%
Q4 202488$26.7M12.29%0.40%2.29%57.4%
Q3 202486$26.6M11.76%0.46%2.28%57.1%
Q2 202483$27.0M10.95%0.61%2.07%53.0%

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 ratio14.65%
52nd
Problem loans0.23%
72nd
Net charge-offs0.12%
55th
Return on assets2.25%
96th
Loans to deposits59.3%
49th
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
68th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Kaskaskia Valley Community Credit UnionCredit union Centralia, IL49 out of 100, Below average$29.4M7.9%1.13%vs
Elca Federal Credit UnionCredit union Chicago, IL67 out of 100, Moderate$30.1M10.9%0.18%vs
Siue Credit UnionCredit union Edwardsville, IL74 out of 100, Strong$30.7M10.6%0.22%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Chicago Post Office Employees Credit UnionCredit union Chicago, IL63 out of 100, Moderate$27.9M22.2%2.65%vs
2 Rivers Area Credit UnionCredit union Kankakee, IL66 out of 100, Moderate$27.7M10.7%0.78%vs

Deposit insurance

Is my money safe at River to River Credit Union?

Yes. River to River Credit Union is a federally insured credit union (NCUA charter #61152). 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 0.8% of shares and deposits ($204K) 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 14.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

River to River Credit Union lists 1 office in 1 city. Most locations:

  • Vienna, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
River to River Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61152
RSSD ID
402592
Primary regulator
State + NCUA
Established
1972
Headquarters
P.O. Box 516, Vienna, IL 62995
Employees
7

Quick answers

River to River Credit Union: common questions

Is River to River Credit Union NCUA insured?

Yes. River to River Credit Union is a federally insured credit union (NCUA charter #61152). 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 to River Credit Union's TellerScore?

97 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.

How many branches does River to River Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Vienna

InstitutionScoreAssetsCapitalProblem loansCompare
A.S.H. Employees Credit UnionCredit union Anna, IL85 out of 100, Very strong$5.6M19.8%0.43%vs
Anna State BankBank Anna, IL81 out of 100, Strong$111.6M12.5%0.02%vs
The First State Bank of DongolaBank Dongola, IL73 out of 100, Strong$34.7M9.8%0.26%vs
Siu Credit UnionCredit union Carbondale, IL72 out of 100, Strong$591.3M11.6%0.90%vs
Legence BankBank Eldorado, IL70 out of 100, Strong$642.9M9.5%1.17%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs