RIVER VALLEY

Charter #61664 | IA

100M-500M (1077 CUs) Micro
17 100M-500M in IA

RIVER VALLEY has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.8% in tier
  • + Relationship Depth Leader: Top 25.2% in tier
  • + Wallet Share Momentum: Top 31.7% in tier
  • + ROA 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.6% in tier
  • - Stagnation Risk: Bottom 20.8% in tier
  • - Institutional Decline: Bottom 29.7% in tier
  • - Membership Headwinds: Bottom 30.6% in tier
  • - Fee Income Per Member: Bottom 3.3% in tier
  • - Indirect Auto Concentration (%): Bottom 5.5% in tier
  • - Total Members: Bottom 8.4% in tier
  • - Total Assets: Bottom 8.7% in tier
  • - Loan Growth Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 6,679
-0.8% YoY+0.2% QoQ
 -8.9K 15,628
-3.4% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 8.4% in tier
Assets $113.0M
+6.6% YoY+0.8% QoQ
 $-118.3M $231.3M
-0.0% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 8.6% in tier
Loans $62.1M
-6.3% YoY-0.2% QoQ
 $-85.7M $147.8M
-1.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Bottom 10.9% in tier
Deposits $99.4M
+6.2% YoY+0.4% QoQ
 $-100.9M $200.3M
-0.0% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 10.4% in tier
ROA 0.9%
+38.9% YoY-9.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 2.9%
+9.3% YoY+1.3% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 18.1% in tier
Efficiency Ratio 64.9%
-12.6% YoY+1.5% QoQ
 -12.4% 77.3%
-3.0% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Bottom 15.2% in tier
Delinquency Rate 0.8%
-12.3% YoY+9.9% QoQ
 -0.1 0.9%
+7.6% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 62.5%
-11.8% YoY-0.6% QoQ
 -10.2% 72.7%
-1.5% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $24,166
+1.8% YoY-0.0% QoQ
 $-197 $24,363
+2.9% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 61st in tier
CD Concentration 32.0%
+6.7% YoY-0.7% QoQ
 +7.6% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 45.1%
-9.4% YoY-2.4% QoQ
 +31.1% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#354 of 627 • Top 18.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.91%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.79%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#695 of 1006 • Top 25.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#873 of 1006 • Top 31.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk
#26 of 525 • Bottom 1.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.55%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 45.09%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#343 of 550 • Bottom 20.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.91%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.99%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#235 of 256 • Bottom 29.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $113.05M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.32%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#505 of 550 • Bottom 30.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

127
Members Per Employee (MPE)
engagement
Value: 445.267
Peer Avg: 332.881
#127 of 1077 Top 11.7% in 100M-500M tier
165
Efficiency Ratio
profitability
Value: 64.89%
Peer Avg: 77.28%
#165 of 1077 Top 15.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1042
Fee Income Per Member
profitability
Value: $54.63
Peer Avg: $174.31
#1042 of 1077 Bottom 3.3% in 100M-500M tier
1019
Indirect Auto Concentration (%)
balance_sheet
Value: 45.09%
Peer Avg: 13.34%
#1019 of 1077 Bottom 5.5% in 100M-500M tier
987
Total Members
engagement
Value: 6,679
Peer Avg: 15,628
#987 of 1077 Bottom 8.4% in 100M-500M tier
984
Total Assets
balance_sheet
Value: $113.05M
Peer Avg: $231.30M
#984 of 1077 Bottom 8.7% in 100M-500M tier
980
Loan Growth Rate
growth
Value: -6.32%
Peer Avg: 3.45%
#980 of 1077 Bottom 9.1% in 100M-500M tier
965
Total Deposits
balance_sheet
Value: $99.35M
Peer Avg: $200.29M
#965 of 1077 Bottom 10.5% in 100M-500M tier
960
Total Loans
balance_sheet
Value: $62.05M
Peer Avg: $147.80M
#960 of 1077 Bottom 11.0% in 100M-500M tier
882
Net Interest Margin (NIM)
profitability
Value: 2.94%
Peer Avg: 3.58%
#882 of 1077 Bottom 18.2% in 100M-500M tier
838
Share Certificate Concentration (%)
balance_sheet
Value: 31.99%
Peer Avg: 23.61%
#838 of 1077 Bottom 22.3% in 100M-500M tier