River Valley Credit Union Ames, Iowa
River Valley Credit Union is a state-chartered credit union headquartered in Ames, IA, established in 1961 (NCUA charter 61664), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,797 members and total assets of $119.3M (up 6.4% from Q2 2025), the 27th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band.
Also written as River Valley CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61664
- Headquarters
- Ames, IA
- Established
- 1961
- Total assets, Q2 2026
- $119.3M
- Assets vs Q2 2025
- +6.4%
- Members, Q2 2026
- 6,797
- Net worth ratio, Q2 2026
- 11.43%
- Latest call report
- Q2 2026, NCUA 5300 · River Valley Credit Union call report
- Asset rank in state
- 27th of 65 in Iowa
- Routing number
- 273972596
- Branches
- 2
It has 133 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.16 percentage points from 11.27% on June 30, 2025. Used vehicle loans are its largest loan category, $23.9M of $65.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.05% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.43% net worth ratio matches that band's 11.43% median.
Frequently asked about River Valley Credit Union
How big is River Valley Credit Union?
At Q2 2026 it reported total assets of $119.3M and 6,797 members.
Where is River Valley Credit Union headquartered?
It is headquartered in Ames, IA, United States.
When was River Valley Credit Union founded?
It was established in 1961, per NCUA records.
Is River Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61664): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates River Valley Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is River Valley Credit Union well capitalized?
Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is River Valley Credit Union's delinquency ratio?
Its delinquency ratio was 1.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is River Valley Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Ames, IA 50010
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 61664
- RSSD ID
- 64495
- Members
- 6,797
- Potential members
- 987,296
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.43% | 11.43% | 50th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.87% | 0.81% | 54th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.65% | 7.02% | 56th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.84% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 68.32% | 76.55% | 76th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.59% | 1.24% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.05% | 0.68% | 29th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.43% | 4.92% | 21st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 62.42% | 75.66% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$119.3M total assets against $112.2M; $105.0M total shares and deposits against $98.9M; $65.6M total loans against $62.2M.
$13.6M net worth against $12.6M.
11.43% net worth ratio against 11.27%.
62.42% loan-to-share ratio against 62.84%.
1.05% delinquency ratio against 0.74%.
0.87% return on assets against 0.80%; 7.65% return on equity against 7.08%.
2.84% net interest margin against 3.00%.
6,797 members against 6,664.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.43% | 0.87% | 1.05% | 62.42% |
| March 31, 2026 | 11.34% | 0.86% | 1.24% | 62.81% |
| December 31, 2025 | 11.53% | 1.18% | 0.81% | 64.98% |
| September 30, 2025 | 11.37% | 0.75% | 0.81% | 62.46% |
| June 30, 2025 | 11.27% | 0.80% | 0.74% | 62.84% |
| March 31, 2025 | 11.25% | 1.21% | 0.50% | 65.05% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.