TellerScore

Headquartered in Rolla, Missouri, Riverways Federal Credit Union is a federal credit union with $136.7M in total assets and $117.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1959.

Based on its Q2 2026 filing, Riverways Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 69th. Its strongest component is problem-loan coverage (77/100; 11.7%), and its lowest is capital cushion (34/100; 8.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.42%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.14%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity62/100
Loans ÷ shares: 98.5% · 8.5% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.71%

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 fell 7 points (64 → 57), mostly because the loan quality component weakened by 15 points.

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202457
Q4 202459
Q1 202563
Q2 202564
Q3 202570
Q4 202570
Q1 202667
Q2 202657
Net worth ratio
7.00%7.98%8.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.31%
Q3 20248.17%
Q4 20248.64%
Q1 20258.43%
Q2 20258.63%
Q3 20258.89%
Q4 20258.96%
Q1 20268.52%
Q2 20268.42%
Delinquent loans (60+ days)
0.16%0.65%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.90%
Q4 20241.05%
Q1 20250.68%
Q2 20250.70%
Q3 20250.20%
Q4 20250.26%
Q1 20260.16%
Q2 20261.14%
Return on assets
0.98%1.29%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.07%
Q4 20241.20%
Q1 20251.30%
Q2 20251.36%
Q3 20251.60%
Q4 20251.60%
Q1 20261.13%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$136.7M8.42%1.14%1.28%98.5%
Q1 202667$129.1M8.52%0.16%1.13%94.6%
Q4 202570$120.5M8.96%0.26%1.60%97.6%
Q3 202570$114.7M8.89%0.20%1.60%96.6%
Q2 202564$111.6M8.63%0.70%1.36%94.6%
Q1 202563$109.4M8.43%0.68%1.30%93.0%
Q4 202459$104.5M8.64%1.05%1.20%93.4%
Q3 202457$105.2M8.17%0.90%1.07%96.8%
Q2 202462$99.1M8.31%0.46%0.98%93.5%

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 ratio8.42%
6th
Problem loans1.14%
24th
Net charge-offs0.11%
83rd
Return on assets1.28%
82nd
Loans to deposits98.5%
4th
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio11.7%
9th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
First Missouri Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$125.1M9.4%0.77%vs
Missouri Central Credit UnionCredit union Lees Summit, MO59 out of 100, Moderate$123.3M9.3%0.85%vs
Metro Credit UnionCredit union Springfield, MO76 out of 100, Strong$123.0M13.0%0.90%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs

Deposit insurance

Is my money safe at Riverways Federal Credit Union?

Yes. Riverways Federal Credit Union is a federally insured credit union (NCUA charter #12890). 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 8.5% of shares and deposits ($10.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.42%, slightly 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

Riverways Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Riverways Federal Credit Union
Type
Federal credit union
NCUA charter #
12890
RSSD ID
6888
Primary regulator
NCUA
Established
1959
Headquarters
PO Box 8, Rolla, MO 65402
Employees
40

Quick answers

Riverways Federal Credit Union: common questions

Is Riverways Federal Credit Union NCUA insured?

Yes. Riverways Federal Credit Union is a federally insured credit union (NCUA charter #12890). 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 Riverways Federal Credit Union's TellerScore?

57 out of 100 (Moderate), 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 Riverways Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rolla

InstitutionScoreAssetsCapitalProblem loansCompare
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Peoples BankBank Cuba, MO80 out of 100, Strong$248.7M11.0%0.23%vs
Progressive Ozark BankBank Salem, MO77 out of 100, Strong$190.9M9.8%0.03%vs