RIVER VALLEY Credit Union Profile

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RIVER VALLEY

Charter #62123 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (616) 787-7481

Fax: (616) 676-8136

Founding Date: N/A

Website: http://www.myrivervalleycu.org

Personnel & Operations

President: Hansen, Kurt

Manager: Franke, Janelle

FT Employees: 26

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: M - F 9:00 - 5:00

Credit Union Profile Summary

RIVER VALLEY is a FISCU Credit Union. With a total of 9,369 members [1], this institution manages approximately $123,543,049 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.44% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.86% [1].

Financial Snapshot

Total Assets [1]
$123,543,049

Total economic resources.

Total Loans [1]
$73,966,592

Total value of outstanding loans.

Total Deposits [1]
$107,643,479

Total funds deposited by members.

Members [1]
9,369

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.44%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.71%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
68.71%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.48%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.86%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.77%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

7177 Headley St SE

Ada, MI, 49301-9900
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by RIVER VALLEY (Charter #62123).

Main Office

River Valley Credit Union Main Office

Type: Corporate Office

7177 Headley St SE

Ada, MI 49301-9900

Phone: (616) 787-7481

Services: None specified

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Additional Branches

Edmore

Edmore

Type: Branch Office

1369 Industrial Park Dr

Edmore, MI 48829

Phone: (989) 427-5621

Services: None specified

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Lowell

Lowell

Type: Branch Office

2500 W Main St

Lowell, MI 49331

Phone: (616) 897-0564

Services: None specified

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