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
- CHARTER 88/100
- NCUSIF 11.9%
- CAMELS 0.48%
- HEALTH 0.71%
- NW $119.8M
- DELQ 9,324
- ROA #1,457/4,374
- ASSETS THINKWISE
- MEM 62123
Call Report peers
River Valley in the assets neighbourhood
River Valley's $119.8M assets sit next to THINKWISE ($119.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62123, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for River Valley
River Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $119.8M (2025Q4) to $124.4M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.19% → 11.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for River Valley, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($119.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is River Valley financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - River Valley's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,457 of 4,374; by total assets it ranks #1,678 of 4,374 nationally (same basis as /rankings/largest); and #105 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.89% net worth ratio and 0.48% delinquency rate are the key drivers.
How does River Valley compare to other credit unions?
River Valley scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 11.89% 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.
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.