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Overview / Commentary
1895 State Route 146 E
Vienna, IL 62995

River To River Credit Union is headquartered in Vienna and is the 117th largest credit union in the state of Illinois. It is also the 3,496th largest credit union in the nation. It was established in 1972 and as of December of 2017, it had grown to 5 employees and 2,548 members at 1 location. River To River Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Johnson, Hardin, Pope, Pulaski, Alexander or Saline Counties in Illinois. Membership is also open to employees of Vienna Correctional Center, Hardin County Work Camp, Shawnee Correctional Center, Shawnee Development Council INC, Dixon Spring Work Camp, Illinois Youth Center (Harrisburg), Tamms Correctional Center, Egyptian Health Department, Southern Seven Health Department, and Delta Center INC.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. River To River Credit Union has a low asset base.

Health Grade Components

NCUA #61152
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.15%
Annual Interest Income$490.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$18.3MM$17.9MM
LoansQ4 2017vs Q4 2016$8.9MM$8.9MM
DepositsQ4 2017vs Q4 2016$16.7MM$16.4MM
Equity CapitalQ4 2017vs Q4 2016$1.5MM$1.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$36.00K$28.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$66.00K$75.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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River To River Credit Union Locations
Branch Office1895 State Route 146 EVienna, IL 62995