TellerScore

River Valley Credit Union (NCUA charter #61664) is based in Ames, Iowa. Its Q2 2026 call report shows $119.3M in total assets and $105.0M in member shares and deposits and 2 offices.

River Valley Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 42nd. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 15% uninsured); earnings contributes the least (54/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.43%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity98/100
Loans ÷ shares: 62.4% · 14.8% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (74 → 70), mostly because the loan quality component weakened by 10 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202468
Q1 202577
Q2 202574
Q3 202573
Q4 202573
Q1 202668
Q2 202670
Net worth ratio
7.00%9.26%11.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.21%
Q4 202411.22%
Q1 202511.25%
Q2 202511.27%
Q3 202511.37%
Q4 202511.53%
Q1 202611.34%
Q2 202611.43%
Delinquent loans (60+ days)
0.50%0.87%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.92%
Q4 20241.00%
Q1 20250.50%
Q2 20250.74%
Q3 20250.81%
Q4 20250.81%
Q1 20261.24%
Q2 20261.05%
Return on assets
0.65%0.93%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.65%
Q4 20240.77%
Q1 20251.21%
Q2 20250.99%
Q3 20250.91%
Q4 20250.97%
Q1 20260.86%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$119.3M11.43%1.05%0.86%62.4%
Q1 202668$118.0M11.34%1.24%0.86%62.8%
Q4 202573$113.8M11.53%0.81%0.97%65.0%
Q3 202573$113.0M11.37%0.81%0.91%62.5%
Q2 202574$112.2M11.27%0.74%0.99%62.8%
Q1 202577$109.7M11.25%0.50%1.21%65.0%
Q4 202468$107.6M11.22%1.00%0.77%67.7%
Q3 202467$106.1M11.21%0.92%0.65%70.8%
Q2 202468$105.8M10.98%0.82%0.71%73.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.43%
50th
Problem loans1.05%
28th
Net charge-offs0.21%
69th
Return on assets0.86%
58th
Loans to deposits62.4%
74th
Uninsured deposits14.8%
6th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
39th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
North Iowa Community Credit UnionCredit union Mason City, IA60 out of 100, Moderate$127.8M9.8%1.00%vs
Advantage Credit UnionCredit union Newton, IA70 out of 100, Strong$106.5M15.3%2.39%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Midland Credit UnionCredit union Urbandale, IA75 out of 100, Strong$101.2M11.8%0.60%vs
North Star Community Credit UnionCredit union Cherokee, IA58 out of 100, Moderate$149.4M9.8%0.54%vs
Affinity Credit UnionCredit union Des Moines, IA74 out of 100, Strong$154.3M12.2%0.35%vs

Deposit insurance

Is my money safe at River Valley Credit Union?

Yes. River Valley Credit Union is a federally insured credit union (NCUA charter #61664). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 14.8% of shares and deposits ($15.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

River Valley Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
River Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61664
RSSD ID
64495
Primary regulator
State + NCUA
Established
1961
Headquarters
2811 E 13th St, Po Box 747, Ames, IA 50010
Employees
14

Quick answers

River Valley Credit Union: common questions

Is River Valley Credit Union NCUA insured?

Yes. River Valley Credit Union is a federally insured credit union (NCUA charter #61664). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is River Valley Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does River Valley Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ames

InstitutionScoreAssetsCapitalProblem loansCompare
Security Savings BankBank Gowrie, IA89 out of 100, Very strong$193.7M13.2%0.04%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
Community Choice Credit UnionCredit union Johnston, IA79 out of 100, Strong$922.9M12.7%0.57%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Community State BankBank Ankeny, IA76 out of 100, Strong$1.7B11.7%0.19%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs