Federal credit union · CAMDEN, Arkansas · NCUA charter #8812
River Valley Community
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $62.2M
- Total assets
- 6,788
- Members
- 12.6%
- Net-worth ratio
River Valley Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8812: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
River Valley Community - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)61
- Earnings (ROA)100
- Member growth34
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.65% | 30% |
| Delinquency Rate | 1.65% | 25% |
| Return on Assets | 1.26% | 15% |
| Member Growth | -2.19% | 15% |
| Loan-to-Share Ratio | 84.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $62.2M | 6,788 |
| 2024Q4 | $59.3M | 6,940 |
| 2023Q4 | $56.4M | 6,882 |
Credit Union Details
- Charter Number
- 8812
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- CAMDEN
- Data Quarter
- 2025Q4
What This Data Says About River Valley Community
The five-factor composite scores River Valley Community at 80/100 (Excellent), reflecting a net worth ratio of 12.65% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CAMDEN, Arkansas, reports 6,788 members, $62.2M in total assets, and $45.2M in outstanding loans as of Q4 2025 under charter #8812 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 1.65% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 84.97% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.26% on net income of $781K 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 -2.19%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
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 Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, River Valley Community carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.65% net worth ratio and a 1.65% delinquency rate.
How does River Valley Community compare to other credit unions?
River Valley Community scores 80/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Community?
River Valley Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact River Valley Community directly for the exact boundaries and application steps.
Is my money safe at River Valley Community?
Federal credit unions like River Valley Community 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 Community's net worth ratio of 12.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does River Valley Community offer compared to banks?
Credit unions like River Valley Community 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 Community 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.