State credit union · AMES, Iowa · NCUA charter #61664
River Valley
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $113.8M
- Total assets
- 6,759
- Members
- 8.5%
- Net-worth ratio
River Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61664: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
River Valley - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)88
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth79
- Liquidity (loan-to-share)92
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.54% | 30% |
| Delinquency Rate | 0.81% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | 2.39% | 15% |
| Loan-to-Share Ratio | 64.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About River Valley
River Valley is a state credit union headquartered in AMES, Iowa, serving 6,759 members with $113.8M in total assets and $65.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 8.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61664 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.81% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 64.98% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.72% on net income of $825K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.39%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is River Valley financially healthy?
River Valley has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.54% and delinquency rate of 0.81%.
How does River Valley compare to other credit unions?
PlainCU's health composite puts River Valley at 89/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like River Valley are 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 8.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does River Valley offer compared to banks?
Credit unions like River Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact River Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.