PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Valley

Ada, MI · Charter 62123

NCUA · 3 branches

Q2 2026

$124.0MAssets
$73.7MLoans
$107.5MShares
$15.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.71%, up 1 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.63% of loans (+18 bps YoY).
  • Capital: net worth / assets of 12.13%, up 69 bps from a year ago.
  • Funding: loans stand at 68.57% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.71%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+21 bps YoY

Efficiency Ratio (quarter, annualized)

82.33%+104 bps YoY

Net Worth / Assets

12.13%+69 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.72%0.47%0.70%0.80%0.77%0.63%0.71%+1 bps
Return on Equity5.93%6.21%4.25%6.09%6.54%6.33%5.33%5.84%-25 bps
Net Interest Margin3.24%3.24%3.20%3.37%3.60%3.58%3.38%3.57%+21 bps
Efficiency Ratio83.66%81.69%82.29%81.28%79.44%81.29%85.06%82.33%+104 bps
Growth
Asset Growth (YoY)1.19%-1.28%2.57%2.48%-1.45%0.77%0.19%0.38%-210 bps
Loan Growth (YoY)8.82%3.12%-0.56%-2.86%-2.33%-3.15%-1.31%-0.36%+250 bps
Share Growth (YoY)0.66%0.85%2.14%1.38%-2.62%-0.07%-0.55%-0.14%-153 bps
Asset Quality
Delinquent Loans / Loans0.71%0.59%0.53%0.45%0.45%0.48%0.57%0.63%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.27%11.53%11.15%11.44%12.23%12.19%11.89%12.13%+69 bps
Net Worth / Assets11.27%11.53%11.15%11.44%12.23%12.19%11.89%12.13%+69 bps
Liquidity & Funding
Loans / Shares72.27%72.49%67.97%68.71%72.49%70.26%67.46%68.57%-15 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps