TellerScore

Rivertrust Federal Credit Union (NCUA charter #473) is based in Pearl, Mississippi. Its Q2 2026 call report shows $167.8M in total assets and $141.4M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Rivertrust Federal Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 15th. Its strongest component is capital cushion (100/100; 19.27%), and its lowest is earnings (48/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.27%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 3.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.76%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202484
Q4 202483
Q1 202584
Q2 202584
Q3 202585
Q4 202584
Q1 202684
Q2 202684
Net worth ratio
7.00%13.20%19.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.51%
Q3 202418.64%
Q4 202418.96%
Q1 202518.82%
Q2 202519.11%
Q3 202519.40%
Q4 202519.15%
Q1 202619.05%
Q2 202619.27%
Delinquent loans (60+ days)
0.27%0.44%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.55%
Q4 20240.61%
Q1 20250.27%
Q2 20250.40%
Q3 20250.51%
Q4 20250.56%
Q1 20260.56%
Q2 20260.60%
Return on assets
0.43%0.64%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.76%
Q4 20240.64%
Q1 20250.43%
Q2 20250.48%
Q3 20250.76%
Q4 20250.69%
Q1 20260.68%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$167.8M19.27%0.60%0.70%60.1%
Q1 202684$168.2M19.05%0.56%0.68%60.7%
Q4 202584$165.8M19.15%0.56%0.69%61.6%
Q3 202585$162.5M19.40%0.51%0.76%64.5%
Q2 202584$162.2M19.11%0.40%0.48%65.0%
Q1 202584$163.6M18.82%0.27%0.43%64.2%
Q4 202483$161.5M18.96%0.61%0.64%65.8%
Q3 202484$163.8M18.64%0.55%0.76%65.4%
Q2 202487$163.6M18.51%0.33%0.84%65.6%

1,341 peers · $100 million – $1 billion

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 ratio19.27%
96th
Problem loans0.60%
56th
Net charge-offs0.88%
13th
Return on assets0.70%
47th
Loans to deposits60.1%
77th
Uninsured deposits3.1%
81st
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Centuryfirst Federal Credit UnionCredit union Hattiesburg, MS66 out of 100, Moderate$144.9M13.9%1.80%vs
Members Exchange Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$143.6M21.2%0.37%vs
Triangle Federal Credit UnionCredit union Columbus, MS67 out of 100, Moderate$129.0M11.0%1.16%vs
Gulf Coast Community Federal Credit UnionCredit union Gulfport, MS73 out of 100, Strong$125.5M17.7%1.22%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs

Deposit insurance

Is my money safe at Rivertrust Federal Credit Union?

Yes. Rivertrust Federal Credit Union is a federally insured credit union (NCUA charter #473). 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 ($4.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 19.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Rivertrust Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rivertrust Federal Credit Union reported 2 home-loan applications under HMDA (LEI 549300NAZLKUFCJIO704): 2 originated ($180,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Rivertrust Federal Credit Union
Type
Federal credit union
NCUA charter #
473
RSSD ID
117270
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 97997, Pearl, MS 39288
Employees
15

Quick answers

Rivertrust Federal Credit Union: common questions

Is Rivertrust Federal Credit Union NCUA insured?

Yes. Rivertrust Federal Credit Union is a federally insured credit union (NCUA charter #473). 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 Rivertrust Federal Credit Union's TellerScore?

84 out of 100 (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 Rivertrust Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pearl

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Merchants and Planters BankBank Raymond, MS91 out of 100, Very strong$199.0M18.2%0.00%vs
Members Exchange Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$143.6M21.2%0.37%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Ecm Federal Credit UnionCredit union Ridgeland, MS87 out of 100, Very strong$28.9M14.9%0.66%vs