RIVER VALLEY
Charter #97109 · Miamisburg, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.02% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.34% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 51st — a 40-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 | RIVER VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $497.33M | 100th pct | 82th pct |
| Members | 26,771 | 90th pct | 51th pct |
| Net worth ratio | 11.90% | 56th pct | 67th pct |
| Return on average assets | 0.90% | 63th pct | 69th pct |
| Net interest margin | 3.47% | 38th pct | 33th pct |
| Cost of funds | 2.02% | 89th pct | 84th pct |
| Loan-to-share | 88.37% | 87th pct | 69th pct |
| Delinquency 60+ days | 0.43% | 35th pct | 38th pct |
| Net charge-off ratio | 0.34% | 48th pct | 33th pct |
| Loan growth YoY | 0.96% | 57th pct | 43th pct |
| Share growth YoY | 1.99% | 27th pct | 28th pct |
| Efficiency ratio | 72.34% | 30th pct | 20th pct |
structural peer set hash: e5032a3a9d573db39f6a231c770823b8… (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.