State credit union · AMES, Iowa · NCUA charter #61664
River Valley
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $113.8M
- Total assets
- 6,759
- Members
- 11.3%
- Net-worth ratio
River Valley scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $113.8M; members 6,759; net-worth ratio 11.34%; health rank #650 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#650 of 4,374 health · 2025Q4River Valley · health 93/100 · $113.8M · 2025Q4
Call Report peers
River Valley in the assets neighbourhood
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River Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); River Valley sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for River Valley
- Largest favorable gap: Return on Assets at 0.72% vs peer 0.62% (+0.10 pp).
- Largest lag: Loan-to-Share Ratio at 64.98% vs peer 72.20% (-7.22 pp).
Where River Valley sits in Iowa
- Health composite ranks #11 of 66 among scored Iowa credit unions.
- Assets rank #26 of 66 inside Iowa ($113.8M reported).
- Membership ranks #30 of 66 among Iowa CUs with a reported count (6,759 members).
- One place up in Iowa, 1st Gateway (#10) ties at 93/100; one place down, Des Moines Fire Department (#12) scores 92/100, 1 point lower.
River Valley: 2025Q4 → 2026Q1
River Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $113.8M (2025Q4) to $118.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.53% → 11.34%).
At 11.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
River Valley gives up 7 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for River Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.34% | -0.77 pp |
| Delinquency Rate | 0.81% | -0.08 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 2.39% | - |
| Loan-to-Share Ratio | 64.98% | -7.22 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
River Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $118.0M | - |
| 2025Q4 | $113.8M | 6,759 |
| 2024Q4 | $107.6M | 6,601 |
| 2023Q4 | $103.3M | 6,623 |
Credit Union Details
- Charter Number
- 61664
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- AMES
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, River Valley runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| River Valley Credit Union (Main Office) | Ames, IA |
| River Valley Credit Union | Nevada, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near River Valley
Using this data
- River Valley ranks #650 of 4,374 nationally on financial health and #11 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ADVANTAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ADVANTAGE
Frequently Asked Questions
Is River Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, River Valley scores 93/100 (Excellent), with a 11.34% net worth ratio and 0.81% of loans delinquent. It ranks #650 of 4,374 nationally on health and #11 of 66 in Iowa.
How does River Valley compare to other credit unions?
River Valley scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.72% vs 0.62%). Its widest shortfall is loan-to-share ratio (64.98% vs 72.20%).
How can I join River Valley?
Membership eligibility for River Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact River Valley directly for current membership requirements and application steps.
Is my money safe at River Valley?
River Valley is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. River Valley's net worth ratio of 11.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.