# RIVER VALLEY
Miamisburg, OH · NCUA charter 97109 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-valley-97109

Who the members are: state charter, organized 1949, low-income designated. 26,771 members of 500,000 potential (5.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $497.3M |
| Members | 26,771 (3.3% YoY) |
| Full-time staff | 83 |
| Net worth | $59.2M |
| Net worth ratio | 11.9% (p59 of band) |
| ROA (annualized) | 0.90% (p65 of band) |
| Total delinquency | 0.43% (p34 of band) |
| Net charge-offs (annualized) | 0.34% (p46 of band) |
| Loans / shares | 88% (p85 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 1.46% |
| Net interest margin | 3.45% (p42 of band) |
| Operating expense / assets | 3.28% (p33 of band) |
| Vehicles % of loans | 55% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 287% (p92 of band) |
| Vehicle delinquency | 0.55% (p50 of band) |
| Vehicle NCO | 0.55% (p46 of band) |
| Repossessed % of vehicle book | 0.17% (p82 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 30% |
| Average share balance | $8,143 |
| Participations bought / yr | $7.5M |
| Participations sold / yr | $923,580 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $20,711 |
| Loans granted, annualized | $159.9M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-12 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | leaning on borrowings |  |
| 2020-06 | 2 | net worth falling | leaning on borrowings |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 3 | net worth falling | loans>95% of shares |
| 2022-12 | 1 |  | delinquency rising, net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 3 | loans>95% of shares |  |
| 2023-12 | 2 |  | loans>95% of shares |
| 2024-03 | 2 | members leaving | leaning on borrowings |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 1 |  | members leaving, delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-01 [Submit your nomination for our Teacher of the Month - wdtn.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZTBmRVA2M0w2UUd4WVJOdzE0eHI1WnU0bnNUSEJSQmE5TkpTQkswNGJSWTFQNXR0ZkEyLVpGemdOVjJTcHlFQXhmZFduOXhyOVMxeHBvR3FUY08ycXpRTFZWOEhUNnZsTi1kU3doOVJBeGpkZGZfQUJNNWF3czVpdWdGNWVaaUxs0gGOAUFVX3lxTE5md1JhUTRLckk4aUFZR082cWpJdmt4TzFJZldIZDhYYmw2elBYdTUzWC16eGpMb1Y1b2hWT0RwWjRPZWwyOENYenhaU3FvMnlQYzU2RXFxOW1xdHBSaDNJSHJIN09CS2ZkVm5fejlRckZTel9mSlVPeUtVMFMtN1ZnTFBxUTRQMXZnZ2N4Unc?oc=5) · wdtn.com
- 2024-04-23 [River Valley Credit Union names new CEO for the first time in 29 years - Dayton Daily News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOTGlqMU4tYm1naTN0Z0JJNUhmQm43T1NxdC1jeDZXUlh2VjZaejgxd3VtRU9jVDh5ZENkU0h4ejh5eUVuUWYwQ2pfekxISVljcml2M2lORDNjME9QTGMwQURmZ2FRV2VxVzVaZkVQUW5JQzdfZzc5V2RoUXk2Q2phQmR6cDJUMm9VcmdGaExRSWhOTjlUbDhoSjhfRkpqYnRxc2hYZTVWa190c1BHWVJyXy1xbHNWVFUwNnlLMjgwMTJVbHVDY0VKaWZPbkxoUUVGVlV0Mlpwck1jaGhlLTJCSTlqZzE1bWtqQV9DRGc2aw?oc=5) · Dayton Daily News
- 2024-11-26 [Meet the new CFO at one of Dayton’s largest credit unions - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQekRwckVpZkFMMmVwcEpRbVdNRlE4bkVNX19JQXE5dU8tanFKQlRIT3VpbXkwbmU1T2c0X09lazJCbmNFcWxhMXNDOEFXX3ZMbVBhaXdMdm5DQXdsZERRZFJCRVhsZmhBd0k3RFNJZi1KWDQySGlVSTFOTTcyWmlxeVpMUERrWnhBbXBaRF9QOFdPaW90RzhCY0NISGQwcUNIRVE?oc=5) · The Business Journals
- 2024-05-15 [Credit union opens new Dayton branch, another project on the way - WKEF](https://news.google.com/rss/articles/CBMioAFBVV95cUxOYmp2ZHRaQmItOXIwWGxmQl9sbWdZbUpqR0RjYi1XVDMzUG1tX1p2enJnRnV5Sml6bU1LTnpfQ2d4M3lFNWo4WFp1djFxaGx4U1pHelVQU21ranZUSXVGMUNPSGhCeXpOcndwZkczOU9oY19XbWtfRHVpMVlJNkh0TE9Xb0JnRFNmMGs1QjNaZ2Uzd2dadWdfWWlLS09JMThR?oc=5) · WKEF
- 2020-03-02 [Carl D. King, Jr. Obituary Mar 2, 2020 - Routsong Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiX0FVX3lxTFByVnRoQklfa2RydXNtWG1ldTRBVFp0RFpwSXJEWkU3WUFmcFl3b2ppQm1ST3lIUENmUTh0cHY3bFZYZTExWk1lWTlILVh3RUJLejZZQ3dIbGtjbkRRMXlF?oc=5) · Routsong Funeral Home & Cremation Services
- 2015-08-27 [Joshua Boles Obituary Aug 27, 2015 - newcomerdayton.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1jY0Y1Z0haU3paeHBLRF9JN3dWSlFWc25VZ29NdDRmQmZpQ3QtME5YV0doeldNa0h3a1NMV25mbTA1a3djdV9sdnZacFNpcDZOUDRYaTZ3WXFuRk9lUEM2N2J6bFM?oc=5) · newcomerdayton.com
- 2018-03-09 [Zachary Bustillo Obituary - Miamisburg, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdmJXamJrRzZ4N0sxZWFuNG9iaklfWmZkQnJWLUlNNU1WSmhWd1Y4VmwxSHNja0tQc3NjeERVSmxkc0phNEM5WDZtNHZJdWRyU0Ntc0VtZFRId2lGTUMzamhpWENyTGMydUktNXRaV2hiNDJieDdac2R6RTRfSkhVc3ZVX3JRejR6?oc=5) · Dignity Memorial
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97109 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "97109", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=97109
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide