Credit Union Safety Analysis
Is River Valley Credit Union, Inc. Safe? Miamisburg, Ohio
Based on its Q2 2026 NCUA 5300 call report, River Valley Credit Union, Inc. has a net worth ratio of 12.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, River Valley Credit Union, Inc.'s net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.91%
- Loan-to-share ratio (Q2 2026): 89.75%
River Valley Credit Union, Inc. (NCUA charter 97109, established 1949) reported $502.3M in assets and 26,924 members for Q2 2026 from Miamisburg, Ohio. It ranks 21 of 191 credit unions in Ohio by total assets. Total assets grew 1.4% from $495.4M on June 30, 2025. It has 694 more members than on June 30, 2025 (+2.6%). Its net worth ratio was up 0.83 percentage points from 11.18% on June 30, 2025. Used vehicle loans are its largest loan category, $130.7M of $390.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.90% for Q1 2026; 11.18% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.43% for Q1 2026; 0.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.90% for Q1 2026; 0.78% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 88.37% for Q1 2026; 87.85% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $130.7M
- 1- to 4-family residential and other consumer real estate loans: $126.2M
- New vehicle loans: $83.3M
- Commercial loans: $38.0M
- Unsecured credit card loans: $10.4M
- Other unsecured loans and lines of credit: $1.8M
- Non-federally guaranteed student loans: $12K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $502.3M | 12.01% | 0.48% | 0.91% | 89.75% |
| March 31, 2026 | $497.3M | 11.90% | 0.43% | 0.90% | 88.37% |
| December 31, 2025 | $492.1M | 11.80% | 0.49% | 1.16% | 89.86% |
| September 30, 2025 | $492.0M | 11.51% | 0.60% | 1.02% | 89.28% |
| June 30, 2025 | $495.4M | 11.18% | 0.46% | 0.78% | 87.85% |
| March 31, 2025 | $488.6M | 11.14% | 0.38% | 0.89% | 88.21% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
River Valley Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 97109) · FFIEC NIC profile (RSSD 825285)
Frequently asked questions
Is River Valley Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, River Valley Credit Union, Inc.'s net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
Is River Valley Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. River Valley Credit Union, Inc. is a federally insured credit union (NCUA charter 97109): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are River Valley Credit Union, Inc.'s key safety ratios?
For Q2 2026, River Valley Credit Union, Inc. reports net worth 12.01%, delinquency 0.48%, ROA 0.91%, loan-to-share 89.75%.
What happens to my money if River Valley Credit Union, Inc. fails?
For Q2 2026, River Valley Credit Union, Inc. held $435.0M in shares and deposits for 26,924 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.