RIVER COMMUNITY
State-Chartered • Ottumwa, Iowa • Est. 1928
Quick Facts
- Charter Number
- #64986
- Type
- State-Chartered
- Established
- 1928
- Headquarters
- Ottumwa, Iowa 52501
- Address
- 644 W 2nd Street
- Branches
- 1
- ATMs
- 1
- Members
- 3,651
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,651 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RIVER COMMUNITY |
|---|---|
| Total Assets | $29.1M |
| Members | 3,651 |
| Loans Outstanding | $20.4M |
| Shares & Deposits | $24.4M |
| Net Worth | $4.6M |
| Net Worth Ratio | 15.79% |
| Loan-to-Share Ratio | 83.5% |
| Delinquency Rate | 0.14% |
| Net Income | +$449,056 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
River Community C. U.
Main Office644 W 2nd St
Ottumwa, IA 52501-2358
Who Can Join RIVER COMMUNITY?
Membership Type: Community
Membership eligibility for RIVER COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact RIVER COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Iowa
Browse all federally insured credit unions in Iowa, ranked by assets, members, and financial health score.
View Iowa RankingsFrequently Asked Questions
Yes. RIVER COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RIVER COMMUNITY has 3,651 members and a potential membership field of 119,530 people.
RIVER COMMUNITY's net worth ratio is 15.79% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.8%, RIVER COMMUNITY meets this threshold.
RIVER COMMUNITY operates 1 branch location and has access to 1 ATMs. The main office is located at 644 W 2nd St, Ottumwa, IA 52501-2358.
RIVER COMMUNITY was established in 1928. It is a state-chartered credit union chartered under charter number 64986. The institution has been serving members for 98 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RIVER COMMUNITY. All financial data is for informational purposes only.