River Valley
Miamisburg, OH · Charter 97109 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$502.3MAssets
$390.4MLoans
$435.0MShares
$60.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of credit unions under $1B in assets (rank 533 of 1682).
- Widest gap: net interest margin trails 68% of credit unions under $1B in assets (rank 1141 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.90%
Rank 683 of 1,683
Net Interest Margin
3.48%
Rank 1,141 of 1,683
Efficiency Ratio
71.90%
Rank 533 of 1,682
Equity / Assets
12.01%
Rank 994 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 683 / 1,683 | |
| Return on Equity | 7.49% | 2.67% | 5.89% | 8.74% | Beats 65% | 585 / 1,681 | |
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,141 / 1,683 | |
| Efficiency Ratio | 71.90% | 68.91% | 78.20% | 86.93% | Beats 68% | 533 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 665 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 994 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 994 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.75% | 52.61% | 69.38% | 83.50% | 86th pctl | 239 / 1,683 | |
| Loans / Assets | 77.73% | 44.71% | 59.18% | 70.72% | 88th pctl | 198 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |