River Valley

Ada, MI · 2 · Charter #62123 · www.myrivervalleycu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$119.8M
57th percentile
Members
9,324
64th percentile
Total loans
$73.2M
61th percentile
Total shares
$104.2M
59th percentile

Profitability

Return on assets
0.94%
44th percentile
Net interest margin
3.58%
46th percentile
Efficiency ratio
69.95%
26th percentile
Non-interest income ratio
24.61%
82th percentile

Capital & Risk

Net worth ratio
12.19%
50th percentile
Delinquency rate
0.48%
66th percentile
Net charge-off rate
0.16%
74th percentile
Loan-to-share
70.26%
54th percentile

Growth

Member growth YoY
-3.43%
20th percentile
Asset growth YoY
0.77%
25th percentile
Loan growth YoY
-3.15%
25th percentile
Share growth YoY
-0.07%
23th percentile

Operations

Members / branch
3,108
49th percentile
Assets / member
$12,849
36th percentile
Field of membership penetration
1.17%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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