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
- CAMELS 99/100
- HEALTH 11.9%
- NW 0.49%
- DELQ 0.72%
- ROA $492.1M
- ASSETS 27,190
- MEM #56/4,374
- RANK 802
- PHOTO 97109
Call Report peers
River Valley in the assets neighbourhood
River Valley's $492.1M assets sit next to 802 ($491.7M) 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97109: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How River Valley's 5300 filing moved
River Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $492.1M (2025Q4) to $497.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.80% → 11.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
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 | $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
River Valley's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($492.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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?
River Valley has a financial health score of 99/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #56 of 4,374; by total assets it ranks #757 of 4,374 nationally (same basis as /rankings/largest); and #21 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.90% and delinquency rate of 0.49%.
How does River Valley compare to other credit unions?
PlainCU's health composite puts River Valley at 99/100, 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 11.90% 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.