TellerScore

Headquartered in Loves Park, Illinois, Rock Valley Credit Union is a federally insured state-chartered credit union with $174.4M in total assets and $152.7M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1968.

Rock Valley Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 145th. Problem-loan coverage contributes the most (90/100, 4.9%); earnings contributes the least (24/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.50%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity70/100
Loans ÷ shares: 90.7% · 3.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.86%

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 10 points (73 → 63), mostly because the earnings component weakened by 59 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202464
Q1 202573
Q2 202573
Q3 202572
Q4 202568
Q1 202662
Q2 202663
Net worth ratio
7.00%9.47%11.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.52%
Q3 202411.48%
Q4 202411.37%
Q1 202511.43%
Q2 202511.68%
Q3 202511.94%
Q4 202511.60%
Q1 202611.24%
Q2 202611.50%
Delinquent loans (60+ days)
0.56%0.76%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.77%
Q4 20240.68%
Q1 20250.70%
Q2 20250.97%
Q3 20250.85%
Q4 20250.94%
Q1 20260.84%
Q2 20260.69%
Return on assets
0.09%0.83%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.41%
Q4 20240.34%
Q1 20251.40%
Q2 20251.57%
Q3 20251.23%
Q4 20250.91%
Q1 20260.14%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$174.4M11.50%0.69%0.09%90.7%
Q1 202662$178.3M11.24%0.84%0.14%86.5%
Q4 202568$172.3M11.60%0.94%0.91%88.6%
Q3 202572$167.1M11.94%0.85%1.23%90.6%
Q2 202573$169.3M11.68%0.97%1.57%89.5%
Q1 202573$166.5M11.43%0.70%1.40%89.3%
Q4 202464$162.2M11.37%0.68%0.34%93.5%
Q3 202464$160.1M11.48%0.77%0.41%95.0%
Q2 202466$158.3M11.52%0.56%0.39%92.6%

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 ratio11.50%
51st
Problem loans0.69%
49th
Net charge-offs0.94%
11th
Return on assets0.09%
7th
Loans to deposits90.7%
16th
Uninsured deposits3.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio4.9%
41st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone Credit UnionCredit union Freeport, IL64 out of 100, Moderate$176.6M10.0%1.50%vs
Vicinity Credit UnionCredit union Chicago, IL53 out of 100, Below average$203.9M8.2%0.92%vs
Cooperative Choice NetworkCredit union Peoria, IL76 out of 100, Strong$205.9M12.7%0.37%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Gas and Electric Credit UnionCredit union Rock Island, IL72 out of 100, Strong$132.1M10.3%0.38%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs

Deposit insurance

Is my money safe at Rock Valley Credit Union?

Yes. Rock Valley Credit Union is a federally insured credit union (NCUA charter #68687). 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 3.9% of shares and deposits ($5.9M) 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 11.50%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Rock Valley Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rock Valley Credit Union reported 166 home-loan applications under HMDA (LEI 254900XIJWVBUNAUBG18): 131 originated ($10,725,000 total), 23 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Rock Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68687
RSSD ID
39587
Primary regulator
State + NCUA
Established
1968
Headquarters
1201 Clifford Ave, Loves Park, IL 61111
Employees
57

Quick answers

Rock Valley Credit Union: common questions

Is Rock Valley Credit Union NCUA insured?

Yes. Rock Valley Credit Union is a federally insured credit union (NCUA charter #68687). 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 Rock Valley Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Rock Valley Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Loves Park

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs