Institution Statistics
| RIVERVIEW | | NCUA # | 65448 | | BankRate Report | View | | Year Chartered | 1931 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.45 million | | Loans | $3.15 million | | Deposits | $3.52 million | | Equity Capital | $920,000 | | Loan Loss Allowance | $68,000 | | Unbacked Noncurrent Loans | $66,000 |
Historic Data - December 2010 | | Assets | $4.51 million | | Equity Capital | $925,000 | | Loan Loss Allowance | $76,000 | | Unbacked Noncurrent Loans | $67,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.78% | | Return on Assets | -0.16% | | Return on Equity | -0.76% | | Interest Income | $205,000 | | Non-Interest Income | $17,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Riverview CU (MN) had $66,000 in non-current loans and owned real-estate with $988,000 in equity and loan loss allowances on hand to cover it. This gives Riverview CU (MN) a Texas Ratio of 6.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Riverview CU (MN) held steady from 6.69% as of December 31, 2010 to 6.68% as of December 31, 2011, resulting in a positive change of 0.20%.This indicates that the balance sheet and financial strength for Riverview CU (MN) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Riverview CU (MN) has decreased its total deposits by $-60,000, resulting in -1.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Riverview CU (MN) has shown is below average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Riverview CU (MN) has $4.44 million in assets with $988,000 in equity, resulting in a capitalization level of 22.23%, which is excellent. |
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