RIVER VALLEY
State-Chartered • Ada, Michigan • Est. 1965
Quick Facts
- Charter Number
- #62123
- Type
- State-Chartered
- Established
- 1965
- Headquarters
- Ada, Michigan 49301
- Address
- PO Box 493
- Branches
- 3
- ATMs
- 2
- Members
- 9,324
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
9,324 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RIVER VALLEY |
|---|---|
| Total Assets | $119.8M |
| Members | 9,324 |
| Loans Outstanding | $73.2M |
| Shares & Deposits | $104.2M |
| Net Worth | $14.6M |
| Net Worth Ratio | 12.19% |
| Loan-to-Share Ratio | 70.3% |
| Delinquency Rate | 0.48% |
| Net Income | +$1,124,049 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 2 ATMs
River Valley Credit Union
Main Office7177 Headley St SE
Ada, MI 49301-9900
Lowell
2500 W Main St
Lowell, MI 49331
Edmore
1369 Industrial Park Dr
Edmore, MI 48829
Who Can Join RIVER VALLEY?
Membership Type: Community
Membership eligibility for RIVER VALLEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact RIVER VALLEY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. RIVER VALLEY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RIVER VALLEY has 9,324 members and a potential membership field of 800,000 people.
RIVER VALLEY's net worth ratio is 12.19% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.2%, RIVER VALLEY meets this threshold.
RIVER VALLEY operates 3 branch locations and has access to 2 ATMs. The main office is located at 7177 Headley St SE, Ada, MI 49301-9900.
RIVER VALLEY was established in 1965. It is a state-chartered credit union chartered under charter number 62123. The institution has been serving members for 61 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RIVER VALLEY. All financial data is for informational purposes only.