State credit union · Ada, Michigan · NCUA charter #62123
River Valley
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $119.8M
- Total assets
- 9,324
- Members
- 11.9%
- Net-worth ratio
River Valley scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119.8M; members 9,324; net-worth ratio 11.89%; health rank #1,457 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,457 of 4,374 health · 2025Q4River Valley · health 88/100 · $119.8M · 2025Q4
Call Report peers
River Valley in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River Valley vs every NCUA-scored credit union
River Valley sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
River Valley: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.48% here, 0.89% peer average (-0.41 pp).
- Largest lag: Loan-to-Share Ratio at 70.26% vs peer 72.20% (-1.94 pp).
Michigan standing for River Valley
- Michigan health ordinal: #67 of 171.
- Assets rank #105 of 171 inside Michigan ($119.8M reported).
- Michigan membership ordinal: #101 of 171.
- One place up in Michigan, Ukrainian Selfreliance Michigan (#66) ties at 88/100; one place down, UNITED (#68) ties at 88/100.
Quarter path for River Valley
River Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $119.8M (2025Q4) to $124.4M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.19% → 11.89%).
At 11.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
River Valley gives up 12 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 15.2 pts
River Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.89% | -0.22 pp |
| Delinquency Rate | 0.48% | -0.41 pp |
| Return on Assets | 0.71% | +0.09 pp |
| Member Growth | -3.43% | - |
| Loan-to-Share Ratio | 70.26% | -1.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
River Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $124.4M | - |
| 2025Q4 | $119.8M | 9,324 |
| 2024Q4 | $118.9M | 9,655 |
| 2023Q4 | $120.4M | 9,699 |
Credit Union Details
- Charter Number
- 62123
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Ada
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, River Valley runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| River Valley Credit Union (Main Office) | Ada, MI |
| Edmore | Edmore, MI |
| Lowell | Lowell, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
River Valley nationwide neighbourhoods
Using this data
- River Valley ranks #1,457 of 4,374 nationally on financial health and #67 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CIRCLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CIRCLE
Frequently Asked Questions
Is River Valley financially healthy?
River Valley has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,457 of 4,374 nationally on health and #67 of 171 in Michigan. Its net worth ratio is 11.89% and its delinquency rate 0.48%.
How does River Valley compare to other credit unions?
River Valley scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.48% vs 0.89%). Its widest shortfall is loan-to-share ratio (70.26% 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 11.89% 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.