2025 Annual Report

Report of the Chair & President 

At Rivermark Community Credit Union, we believe that when our members do well, our communities do too. And that belief shapes everything we do.

Moving Forward Together

In March 2025, Rivermark completed the integration of our core operating and digital banking systems as part of the merger with Advantis Credit Union. This milestone marked the final step in uniting our organizations to form a stronger, more resilient credit union.

The integration expanded branch access, enhanced digital and video banking capabilities, and broadened our suite of high quality, lower cost financial products and services. Most importantly, it positions Rivermark to support the financial wellbeing of our members and their families for generations to come.

As we move forward, our focus remains on you, our valued members. Every day, we work to earn your trust through dependable service, expert financial guidance, and continuous improvements to the member experience. Our purpose remains the same, to support our members at every stage of their financial journey and to keep showing up for the communities that need us most.

Safe and Strong

Rivermark remains in a strong financial position, ending the year with a net worth ratio of 10.76%, well above the regulatory threshold for a well-capitalized credit union. We continue to prioritize safe and sound business practices as we navigate evolving geopolitical and market dynamics. Our robust liquidity position, stable deposit base, and balanced loan-to-share ratio enable us to consistently deliver value to our members today and in the future.

Community Impact

In 2025, Rivermark invested $3,492,689 in community organizations and programs, reinforcing our long‑standing commitment to strengthening the well‑being of the communities we serve. These investments advanced our priority focus areas of housing security, children’s well‑being, and food security.

Through the 2025 KGW Great Food Drive, Rivermark helped provide more than 1.2 million meals to families experiencing food insecurity. We also expanded our partnership with Sunshine Division through a new $150,000 three year investment supporting their annual Thanksgiving Meal Delivery program, helping families gather around the table with dignity during the holidays.

Housing stability remained a critical priority. Rivermark directed a transformative $3 million grant, supported by the Federal Home Loan Bank of Des Moines, to Rebuilding Together Portland. This investment will help replace roofs for 86 low-income homeowners over the next three years, giving individuals and families the stability they need to stay safely in their homes. We also expanded housing support through the Rivermark Community Fund Golf Tournament, raising a record $90,000 for affordable housing efforts. In addition, the Fund provided a $30,000 unrestricted grant to Bienestar, helping deliver critical services to more than 2,500 Latinx, immigrant, and low‑income community members.

In 2025, Rivermark launched its first Community Advisory Council, bringing together local community leaders to share insights on community needs, cultural considerations, financial barriers, and ways to expand equitable access. Their perspectives help us listen more closely, learn more deeply, and stay meaningfully connected to the communities we’re proud to serve.

Member Value

Credit unions play a vital role in strengthening local economies. To better understand Rivermark’s impact, Oxford Economics conducted an independent analysis measuring our contributions to GDP, employment, wages, and direct member financial benefits.

As a not-for-profit, member-owned cooperative, Rivermark reinvests earnings back into members through lower fees and more favorable interest rates—benefits that extend beyond our membership and into the broader community. According to the analysis, Rivermark delivered $23.3 million in direct financial benefits to members and supported 1,420 jobs.

In 2025, Rivermark returned more than $44 million to members through dividends on high‑yield savings, checking, certificates, and money market accounts. We also opened more than 9,000 new checking accounts, helping households manage everyday finances with more confidence.

We issued more than 3,000 new credit cards, totaling $26 million in new credit lines, giving members lower‑cost alternatives to higher‑rate debt. And to support transportation and housing needs, Rivermark funded more than 6,500 auto loans and nearly $90 million in home financing to help more families find or stay in a place they can call home.

Our members stayed highly engaged, completing more than 30 million debit and credit card transactions totaling $1.5 billion, much of it right here in our local communities. They also relied on digital tools, sending and receiving over $150 million through Zelle® and depositing more than 550,000 checks using Mobile Deposit.

Behind every interaction is our commitment to service. Our team answered a record 484,000 phone calls in 2025, a 60% increase over the prior year, supported nearly 68,000 live chat and video interactions, and completed more than 183,000 video teller sessions.

Financial Wellness

In 2025, Rivermark partnered with five nonprofit organizations, including the Urban League of Portland, Parenting with Intent, Bradley Angle, Kathy’s Place, and the Black Economic Committee to deliver more than 175 hours of financial coaching. These sessions focused on practical skills like budgeting, paying bills, building savings, reducing debt, and strengthening credit.

Our financial planning partnership with Human Investing also continued to thrive, reinforcing Rivermark’s commitment to putting members first. As fiduciaries, Human Investing advisors ensure guidance is driven by member goals—not compensation.

Diversity, Equity, and Inclusion

Rivermark remains committed to advancing diversity, equity, and inclusion across our organization and the communities we serve. In 2025, we launched our sixth Employee Resource Group, strengthening connections across our team and continuing to foster a culture of belonging.

Over the course of the year, our quarterly DEI Educational Series focused on meaningful workplace topics, including Military & Veteran Banking, the ALICE Framework, and Bystander Intervention, supporting greater awareness and inclusion across our organization. We also expanded partnerships with credit union associations focused on serving historically excluded populations.

Our employees carried this commitment into the community, proudly representing Rivermark at events like Portland Pride, Juneteenth Oregon, and El Grito. While DEI is an ongoing journey, we remain focused on fostering a culture where every employee, member, and community member feels seen, valued, and truly belongs.

In Closing

We extend our sincere thanks to the Rivermark Board of Directors and Audit Committee for their dedicated service in support of our members. We’re also deeply grateful to our employees, whose commitment each day helps strengthen the financial wellbeing of those we serve. Most of all, we thank our members for their continued trust and partnership, this work wouldn’t be possible without you.