River Valley

Miamisburg, OH · 3 · Charter #97109 · www.rivervalleycu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$492.1M
57th percentile
Members
27,190
47th percentile
Total loans
$381.4M
65th percentile
Total shares
$424.5M
57th percentile

Profitability

Return on assets
1.18%
65th percentile
Net interest margin
3.40%
45th percentile
Efficiency ratio
49.97%
82th percentile
Non-interest income ratio
15.82%
31th percentile

Capital & Risk

Net worth ratio
11.80%
64th percentile
Delinquency rate
0.49%
71th percentile
Net charge-off rate
0.38%
55th percentile
Loan-to-share
89.86%
74th percentile

Growth

Member growth YoY
4.42%
86th percentile
Asset growth YoY
2.90%
33th percentile
Loan growth YoY
2.07%
39th percentile
Share growth YoY
2.35%
31th percentile

Operations

Members / branch
3,884
34th percentile
Assets / member
$18,099
65th percentile
Field of membership penetration
5.44%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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