TellerScore

River Valley Credit Union (NCUA charter #97109) is based in Miamisburg, Ohio. Its Q2 2026 call report shows $502.3M in total assets and $435.0M in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, River Valley Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 83rd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.01%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity71/100
Loans ÷ shares: 89.7% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.70%

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 rose 3 points (70 → 73), mostly because the capital cushion component improved by 8 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202470
Q4 202469
Q1 202571
Q2 202570
Q3 202570
Q4 202573
Q1 202674
Q2 202673
Net worth ratio
7.00%9.50%12.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202411.09%
Q4 202411.15%
Q1 202511.14%
Q2 202511.18%
Q3 202511.51%
Q4 202511.80%
Q1 202611.90%
Q2 202612.01%
Delinquent loans (60+ days)
0.35%0.47%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.35%
Q4 20240.51%
Q1 20250.38%
Q2 20250.46%
Q3 20250.60%
Q4 20250.49%
Q1 20260.43%
Q2 20260.48%
Return on assets
0.72%0.84%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.76%
Q4 20240.74%
Q1 20250.89%
Q2 20250.83%
Q3 20250.89%
Q4 20250.96%
Q1 20260.90%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$502.3M12.01%0.48%0.90%89.7%
Q1 202674$497.3M11.90%0.43%0.90%88.4%
Q4 202573$492.1M11.80%0.49%0.96%89.9%
Q3 202570$492.0M11.51%0.60%0.89%89.3%
Q2 202570$495.4M11.18%0.46%0.83%87.8%
Q1 202571$488.6M11.14%0.38%0.89%88.2%
Q4 202469$478.3M11.15%0.51%0.74%90.1%
Q3 202470$473.1M11.09%0.35%0.76%89.8%
Q2 202467$470.9M10.93%0.56%0.72%90.7%

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).

Capital ratio12.01%
58th
Problem loans0.48%
66th
Net charge-offs0.31%
56th
Return on assets0.90%
60th
Loans to deposits89.7%
17th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio3.7%
54th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Cme Federal Credit UnionCredit union Columbus, OH61 out of 100, Moderate$480.9M8.6%0.66%vs
Oucu Financial Credit Union, Inc.Credit union Athens, OH55 out of 100, Moderate$526.8M11.5%1.17%vs
Century Federal Credit UnionCredit union Independence, OH65 out of 100, Moderate$469.9M10.9%0.63%vs
Canton School Employees Federal Credit UnionCredit union North Canton, OH68 out of 100, Moderate$462.2M10.3%0.69%vs
Desco Federal Credit UnionCredit union Portsmouth, OH76 out of 100, Strong$550.7M11.8%0.51%vs
Universal 1 Credit UnionCredit union Dayton, OH68 out of 100, Moderate$424.7M12.4%1.53%vs

Deposit insurance

Is my money safe at River Valley Credit Union?

River Valley Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 12.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

River Valley Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
River Valley Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97109
RSSD ID
825285
Primary regulator
State + NCUA
Established
1949
Headquarters
505 Earl Blvd, Miamisburg, OH 45342
Employees
92

Quick answers

River Valley Credit Union: common questions

Is River Valley Credit Union NCUA insured?

River Valley Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is River Valley Credit Union's TellerScore?

73 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?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Miamisburg

InstitutionScoreAssetsCapitalProblem loansCompare
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The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
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Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs