River Valley Credit Union, Inc.
Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 0.0. A current level of 4.7 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (20%), other (34%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
505 Earl Boulevard
Miamisburg, OH 45342
Miamisburg, OH 45342
Phone Number
(937) 859-6260
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
West Chester, OH