This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Oregon, OH
Health score
59.5
Total assets
$107.9M
Credit union
Belpre, OH
Health score
61.5
Total assets
$113.4M
Answer first
BAY AREA leads on capitalization and lending quality; RIVERVIEW leads on financial health and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
RIVERVIEW
Higher TFS health score
Capitalization
BAY AREA
Higher comparable capital ratio
Profitability
RIVERVIEW
Higher return on assets
Lending quality
BAY AREA
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | BAY AREA | RIVERVIEW |
|---|---|---|
| TFS health score | 59.5/100 | 61.5/100Leads |
| Total assets | $107.9M | $113.4M |
| Total deposits / shares | $93.8M | $101.1M |
| Net worth ratio | 11.60%Leads | 9.07% |
| Return on assets | 0.69% | 0.81%Leads |
| Return on equity | 5.97% | 8.90% |
BAY AREA
3 branches
RIVERVIEW
3 branches
Both institutions report branches in 1 state: OH.
BAY AREA
Unavailable
RIVERVIEW
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
BAY AREA
0 in TFS registry
RIVERVIEW
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | BAY AREA score | BAY AREA ROA | RIVERVIEW score | RIVERVIEW ROA |
|---|---|---|---|---|
| 2026-Q1 | 58.5/100 | 0.58% | 66.5/100 | 1.06% |
| 2026-Q2 | 59.5/100 | 0.69% | 61.5/100 | 0.81% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 1.21%Leads | 1.54% |
| Net charge-offs | 0.22%Leads | 0.34% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 53.43% | 70.26% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 3 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |