Federal credit union · CAMDEN, Arkansas · NCUA charter #8812
River Valley Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $62.2M
- Total assets
- 6,788
- Members
- 13.6%
- Net-worth ratio
River Valley Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.2M; members 6,788; net-worth ratio 13.56%; health rank #2,721 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,721 of 4,374 health · 2025Q4River Valley Community · health 80/100 · $62.2M · 2025Q4
- DELQ 80/100
- ROA 13.6%
- ASSETS 1.65%
- MEM 1.26%
- RANK $62.2M
- PHOTO 6,788
- BOOK #2,721/4,374
- CHARTER Select Seven
- NCUSIF 8812
Call Report peers
River Valley Community in the assets neighbourhood
River Valley Community's $62.2M assets sit next to Select Seven ($62.2M) 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 Community 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
80 36th percentile higher than 36% 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 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.
Where River Valley Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 84.97% vs peer 62.60% (+22.37 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.68 pp (1.65% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where River Valley Community sits in Arkansas
- Arkansas health ordinal: #29 of 48.
- Arkansas assets place: #15 of 48.
- Membership ranks #12 of 48 among Arkansas CUs with a reported count (6,788 members).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for River Valley Community
River Valley Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $62.2M (2025Q4) to $64.6M (2026Q1).
- Net-worth ratio shifted -0.29 pp (13.85% → 13.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 14.8 pts
River Valley Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.56% | -0.06 pp |
| Delinquency Rate | 1.65% | +0.68 pp |
| Return on Assets | 1.26% | +0.60 pp |
| Member Growth | -2.19% | - |
| Loan-to-Share Ratio | 84.97% | +22.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.6M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for River Valley Community, spread across 2 cities.
| Office | City |
|---|---|
| River Valley Community FCU (Main Office) | Camden, AR |
| River Valley Community FCU | El Dorado, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for River Valley Community, both outside Arkansas 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 ($62.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- River Valley Community ranks #2,721 of 4,374 nationally on financial health and #29 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PINE
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,721 of 4,374; by total assets it ranks #2,228 of 4,374 nationally (same basis as /rankings/largest); and #15 of 48 within Arkansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.56% 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 13.56% 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.
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.