State credit union · Loves Park, Illinois · NCUA charter #68687
Rock Valley
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $172.3M
- Total assets
- 15,693
- Members
- 11.2%
- Net-worth ratio
Rock Valley scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.3M; members 15,693; net-worth ratio 11.24%; health rank #1,471 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,471 of 4,374 health · 2025Q4Rock Valley · health 88/100 · $172.3M · 2025Q4
- CHARTER 88/100
- NCUSIF 11.2%
- CAMELS 0.94%
- HEALTH 0.32%
- NW $172.3M
- DELQ 15,693
- ROA #1,471/4,374
- ASSETS Diamond Valley
- MEM 68687
Call Report peers
Rock Valley in the assets neighbourhood
Rock Valley's $172.3M assets sit next to Diamond Valley ($172.2M) 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.
Rock 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
Rock Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68687, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Rock Valley: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 88.62% vs peer 72.20% (+16.42 pp).
- Largest lag: Net Worth Ratio at 11.24% vs peer 12.11% (-0.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Rock Valley sits in Illinois
- In Illinois, health place is #55 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #43 of 192 inside Illinois ($172.3M reported).
- Member book place in Illinois: #39 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rock Valley: 2025Q4 → 2026Q1
Rock Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $172.3M (2025Q4) to $178.3M (2026Q1).
- Net-worth ratio shifted -0.36 pp (11.60% → 11.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 20.6 pts
- Return on Assets 12.3 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.24% | -0.87 pp |
| Delinquency Rate | 0.94% | +0.05 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 88.62% | +16.42 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).
Rock Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $178.3M | - |
| 2025Q4 | $172.3M | 15,693 |
| 2024Q4 | $162.2M | 15,519 |
| 2023Q4 | $155.8M | 15,646 |
Credit Union Details
- Charter Number
- 68687
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Loves Park
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Rock Valley, spread across 4 cities.
| Office | City |
|---|---|
| Loves Park (Main Office) | Loves Park, IL |
| Machesney Park | Machesney Park, IL |
| Rochelle | Rochelle, IL |
| DeKalb County | Sycamore, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Other-state peers near Rock Valley
Rock Valley's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($172.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Rock Valley ranks #1,471 of 4,374 nationally on financial health and #55 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORNERSTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORNERSTONE
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Rock Valley financially healthy?
Rock Valley scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,471 of 4,374; by total assets it ranks #1,392 of 4,374 nationally (same basis as /rankings/largest); and #43 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.24% net worth ratio and a 0.94% delinquency rate.
How does Rock Valley compare to other credit unions?
88/100 is Rock Valley's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Rock Valley?
Membership eligibility for Rock Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rock Valley directly for current membership requirements and application steps.
Is my money safe at Rock Valley?
Federal credit unions like Rock 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. Rock Valley's net worth ratio of 11.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rock Valley offer compared to banks?
Credit unions like Rock 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 Rock 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.