RIVER VALLEY
Charter #62123 · Ada, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,205 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.45% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.11% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.06% sits at the 77th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RIVER VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $124.44M | 16th pct | 25th pct |
| Members | 9,205 | 26th pct | 20th pct |
| Net worth ratio | 11.89% | 56th pct | 64th pct |
| Return on average assets | 0.65% | 46th pct | 39th pct |
| Net interest margin | 3.45% | 37th pct | 18th pct |
| Cost of funds | 0.02% | 2th pct | 3th pct |
| Loan-to-share | 67.46% | 40th pct | 49th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 41th pct |
| Net charge-off ratio | 0.11% | 19th pct | 3th pct |
| Loan growth YoY | -1.20% | 33th pct | 33th pct |
| Share growth YoY | 6.16% | 82th pct | 75th pct |
| Efficiency ratio | 85.06% | 72th pct | 77th pct |
structural peer set hash: 0ba1d26dd63ceac93ca2250e3e6720e6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.