Federal credit union · Miamisburg, Ohio · NCUA charter #97109
River Valley
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $492.1M
- Total assets
- 27,190
- Members
- 11.9%
- Net-worth ratio
River Valley scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $492.1M; members 27,190; net-worth ratio 11.90%; health rank #56 of 4,374; healthier than 98th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#56 of 4,374 health · 2025Q4River Valley · health 99/100 · $492.1M · 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
The busiest band is 85-89 (858 credit unions); River Valley sits in 95-99 with 391 others.
99 Top 2% higher than 98% 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
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.66 pp (89.86% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.90% vs peer 12.11% (-0.21 pp).
River Valley: in-state Call Report ranks
- In Ohio, health place is #5 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, River Valley is #21 of 196 in Ohio.
- Membership ranks #23 of 196 among Ohio CUs with a reported count (27,190 members).
- One place up in Ohio, New Horizon (#4) ties at 99/100; one place down, FREMONT (#6) scores 98/100, 1 point lower.
How River Valley's 5300 filing moved
River Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $492.1M (2025Q4) to $497.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.80% → 11.90%).
11.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
River Valley gives up 1 points in total. Member Growth costs the most, 0.7 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 14.3 pts
- Loan-to-Share Ratio 14.7 pts
River Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.90% | -0.21 pp |
| Delinquency Rate | 0.49% | -0.41 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 4.42% | - |
| Loan-to-Share Ratio | 89.86% | +17.66 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
River Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $497.3M | - |
| 2025Q4 | $492.1M | 27,190 |
| 2024Q4 | $478.3M | 26,038 |
| 2023Q4 | $457.8M | 26,076 |
Credit Union Details
- Charter Number
- 97109
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Miamisburg
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, River Valley runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Main Office Corporate Headquarters (Main Office) | Miamisburg, OH |
| Beavercreek Branch | Dayton, OH |
| Dayton Branch | Dayton, OH |
| Huber Heights Branch | Huber Heights, OH |
| Springboro Branch | Springboro, OH |
| West Carrollton Branch | West Carrollton, OH |
| Alex Loan Center | West Carrollton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- River Valley ranks #56 of 4,374 nationally on financial health and #5 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CME
Frequently Asked Questions
Is River Valley financially healthy?
River Valley has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #56 of 4,374 nationally on health and #5 of 196 in Ohio. Its net worth ratio is 11.90% and its delinquency rate 0.49%.
How does River Valley compare to other credit unions?
River Valley scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.86% vs 72.20%). Its widest shortfall is net worth ratio (11.90% vs 12.11%).
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 federal 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 11.90% 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.