Ada, Michigan · Peer group 5
River Valley Credit Union
River Valley Credit Union holds $124.4M in assets across 9,205 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1965. Charter number 62123, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $124.4M |
|---|---|
| Total loans | $73.3M |
| Total shares (deposits) | $108.7M |
| Net worth | $14.8M |
| Members | 9,205 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.2% | |
|---|---|---|
| Loans | -1.3% | around the 28th percentile of its peer group |
| Deposits | -0.6% | around the 18th percentile of its peer group |
| Members | -4.4% | around the 13th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 67.5% | around the 40th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.9% | around the 56th percentile of its peer group |
| Return on assets | 0.63% | around the 45th percentile of its peer group |
| Delinquency ratio | 0.57% | around the 47th percentile of its peer group |
| Cash / assets | 12.9% | around the 69th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is River Valley Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Meijer Credit Union
GRAND RAPIDS, MI
$120.5M · 15,309 members
- Straits Area Credit Union
Cheboygan, MI
$130.5M · 12,057 members
- Circle Credit Union
Niles, MI
$117.2M · 6,094 members
- Marquette Community Credit Union
Marquette, MI
$116.3M · 8,230 members
- Sunrise Family Credit Union
Bay City, MI
$132.9M · 11,117 members
- Integra First Credit Union
Powers, MI
$135.6M · 11,554 members
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