Credit union · NCUA insured
River Community CU
A $30.4M credit union headquartered in Ottumwa, IA, with 3,669 members and 1 branch in Iowa. Best rates: CDs 3.40% and savings 0.75% APY.
River Community CU Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#5 of 7 in Ottumwa, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About River Community CU
River Community Credit Union is a member-owned financial cooperative serving its members since 1928.
Founded by C J Morrow as Ottumwa Postal Employees Credit Union, it renamed in 2000 and later merged with Ottumwa Railroad Employees Credit Union and Muni Employees Credit Union.
- Headquarters
- 644 W 2nd St, Ottumwa, IA 52501-2358
- NCUA charter
- 64986
Branches
1 branch in Iowa
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Iowa
1 branch
- River Community C. U.Main office644 W 2nd St, Ottumwa, IA 52501Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.06% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.44% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio15.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.06%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of River Community CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.