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River Valley

Miamisburg, OH · Charter 68475

NCUA · 8 branches

Q3 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

River Valley

Miamisburg, OH · Charter 68475

NCUA · 8 branches

Q3 2018

$341.9MAssets
$276.7MLoans
$286.2MShares
$32.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 1 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.45% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.51%, up 21 bps from a year ago.
  • Funding: loans stand at 96.67% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

0.43%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+19 bps YoY

Efficiency Ratio (YTD, annualized)

81.83%-33 bps YoY

Net Worth / Assets

9.51%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.21%0.40%0.44%0.42%0.45%0.37%0.37%0.43%+1 bps
Return on Equity2.31%4.39%4.73%4.54%4.78%3.93%3.94%4.55%+1 bps
Net Interest Margin2.69%2.73%2.76%2.79%2.83%2.91%2.91%2.98%+19 bps
Efficiency Ratio88.55%81.55%81.93%82.17%81.52%82.69%82.72%81.83%-33 bps
Growth
Asset Growth (YoY)3.38%1.66%2.67%1.28%1.44%3.11%3.66%2.75%+147 bps
Loan Growth (YoY)11.75%9.47%7.67%3.22%0.10%-0.61%-1.23%-0.13%-335 bps
Share Growth (YoY)3.03%1.08%2.26%0.92%1.14%2.83%3.46%-2.96%-388 bps
Asset Quality
Delinquent Loans / Loans0.37%0.29%0.42%0.45%0.40%0.37%0.36%0.45%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.57%0.55%0.56%0.55%0.57%0.58%0.56%0 bps
Capital
Risk-Based Capital9.12%9.16%9.22%9.31%9.44%9.32%9.31%9.51%+21 bps
Net Worth / Assets9.12%9.16%9.22%9.31%9.44%9.32%9.31%9.51%+21 bps
Liquidity & Funding
Loans / Shares94.54%93.06%93.37%93.94%93.57%89.95%89.14%96.67%+273 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps