Credit Union Safety Analysis
Is Rock Valley Credit Union Safe?
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A health scorecard for Rock Valley Credit Union against standard NCUA supervisory thresholds for capital, asset quality, earnings, and liquidity. Based on the Q2 2026 NCUA 5300 call report.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher, and adequately capitalized at 6%.
The share of loans 60 or more days delinquent. Lower is better. NCUA sets no threshold; our reference band passes 1% or less and fails above 2%.
The latest quarter's net income, annualized, as a share of total assets. Sustained positive earnings build net worth. NCUA sets no threshold; our reference band passes 0.5% or more and fails below 0%.
Loans as a share of member deposits (shares). Very high ratios can signal tighter on-hand liquidity. NCUA sets no threshold; our reference band passes 85% or less and fails above 100%.
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This scorecard is an automated comparison of public NCUA 5300 figures against NCUA's net worth levels and, for delinquency, ROA and loan-to-share (where NCUA sets no threshold), BankRegReports reference bands. It is not a credit rating, an NCUA examination result, or financial advice. Member deposits at federally insured credit unions are protected by the NCUSIF up to at least $250,000 per member. See the full Rock Valley Credit Union profile or how this data updates.
Regulator records: NCUA credit union profile (charter 68687) · FFIEC NIC profile (RSSD 39587)
Frequently asked questions
Is Rock Valley Credit Union well capitalized?
Its net worth ratio was 11.50%. NCUA considers a credit union well capitalized at 7% or higher.
Are deposits at Rock Valley Credit Union insured?
Yes. Member deposits at federally insured credit unions are covered by the National Credit Union Share Insurance Fund (NCUSIF) up to at least $250,000 per member, backed by the full faith and credit of the United States.