ROCK VALLEY
Charter #68687 · Loves Park, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.15% sits at the 5th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.22% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 52nd — a 20-point gap showing why the peer definition matters.
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 | ROCK VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $178.25M | 43th pct | 46th pct |
| Members | 15,767 | 62th pct | 57th pct |
| Net worth ratio | 11.24% | 46th pct | 59th pct |
| Return on average assets | 0.15% | 14th pct | 5th pct |
| Net interest margin | 4.00% | 71th pct | 54th pct |
| Cost of funds | 1.18% | 48th pct | 33th pct |
| Loan-to-share | 86.47% | 82th pct | 67th pct |
| Delinquency 60+ days | 0.84% | 67th pct | 66th pct |
| Net charge-off ratio | 0.49% | 64th pct | 66th pct |
| Loan growth YoY | 2.68% | 73th pct | 52th pct |
| Share growth YoY | 7.56% | 90th pct | 75th pct |
| Efficiency ratio | 91.22% | 88th pct | 93th pct |
structural peer set hash: 074a3fc87a1e0cecb4af3fb6494866f7… (reproducible)
Closest structural peers
This is the free public view
Claim ROCK VALLEY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.