Headquartered in Ada, Michigan, River Valley Credit Union is a federally insured state-chartered credit union with $124.0M in total assets and $107.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1965.
Based on its Q2 2026 filing, River Valley Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 79th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (48/100; 0.71%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.01% |
| Q3 2024 | 11.27% |
| Q4 2024 | 11.53% |
| Q1 2025 | 11.15% |
| Q2 2025 | 11.44% |
| Q3 2025 | 12.23% |
| Q4 2025 | 12.19% |
| Q1 2026 | 11.89% |
| Q2 2026 | 12.13% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $124.0M | 12.13% | 0.63% | 0.71% | 68.6% |
| Q1 2026 | 73 | $124.4M | 11.89% | 0.57% | 0.63% | 67.5% |
| Q4 2025 | 76 | $119.8M | 12.19% | 0.48% | 0.77% | 70.3% |
| Q3 2025 | 76 | $117.8M | 12.23% | 0.45% | 0.80% | 72.5% |
| Q2 2025 | 73 | $123.5M | 11.44% | 0.45% | 0.70% | 68.7% |
| Q1 2025 | 70 | $124.2M | 11.15% | 0.53% | 0.47% | 68.0% |
| Q4 2024 | 72 | $118.9M | 11.53% | 0.59% | 0.72% | 72.5% |
| Q3 2024 | 70 | $119.6M | 11.27% | 0.71% | 0.67% | 72.3% |
| Q2 2024 | 71 | $120.6M | 11.01% | 0.51% | 0.66% | 71.7% |
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Meijer Credit UnionCredit union Grand Rapids, MI | 71 out of 100, Strong | $128.1M | 9.4% | 0.29% | vs |
| Circle Federal Credit UnionCredit union Niles, MI | 68 out of 100, Moderate | $117.4M | 9.1% | 0.25% | vs |
| Marquette Community Federal Credit UnionCredit union Marquette, MI | 92 out of 100, Very strong | $117.0M | 14.9% | 0.85% | vs |
| Straits Area Federal Credit UnionCredit union Cheboygan, MI | 59 out of 100, Moderate | $132.4M | 11.7% | 2.77% | vs |
| Sunrise Family Credit UnionCredit union Bay City, MI | 68 out of 100, Moderate | $133.5M | 9.2% | 0.07% | vs |
| Integra First Federal Credit UnionCredit union Powers, MI | 56 out of 100, Moderate | $135.4M | 9.0% | 0.99% | 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 #62123). 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 2.1% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
River Valley Credit Union lists 3 offices in 3 cities. Most locations:
- Ada, MI (1)
- Edmore, MI (1)
- Lowell, MI (1)
Identity & history
Profile
- Legal name
- River Valley Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62123
- RSSD ID
- 828893
- Primary regulator
- State + NCUA
- Established
- 1965
- Headquarters
- PO Box 493, Ada, MI 49301
- Employees
- 30
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 #62123). 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?
74 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?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ada
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| Allegheny Central Federal Credit UnionCredit union Dunbar, PA | 95 out of 100, Very strong | $8.2M | 20.8% | 0.18% | vs |
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Tri-Cities Credit UnionCredit union Grand Haven, MI | 86 out of 100, Very strong | $51.3M | 13.9% | 0.05% | vs |
| Blue Water Federal Credit UnionCredit union Port Huron, MI | 86 out of 100, Very strong | $20.4M | 14.4% | 0.23% | vs |