Charter 62123 · Ada, MI
River Valley Credit Union (Ada, MI)
River Valley Credit Union is a state-chartered credit union in Ada, Michigan, with $124 million in assets and 9,121 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.13%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $124 million
- +0.4% in a year
- Members
- 9,121
- -2.6% in a year
- Net worth ratio
- 12.13%
- Peer median 11.65%
- Loans 60+ days late
- 0.63%
- Peer median 0.70%
- Loans outstanding
- $73.7 million
- -0.4% in a year
- Shares and deposits
- $107 million
- -0.1% in a year
- Branches
- 3
- 30 employees
- Opened
- 1965
- Michigan charter
How River Valley Credit Union compares
NCUA groups credit unions by size; River Valley Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.13% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.63%, is lower than the group median of 0.70%. Loans fell 0.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 106 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $124 million | 9,121 | $73.7 million | 12.13% | 0.63% |
| Q1 2026 | $124 million | 9,205 | $73.3 million | 11.89% | 0.57% |
| Q4 2025 | $120 million | 9,324 | $73.2 million | 12.19% | 0.48% |
| Q3 2025 | $118 million | 9,372 | $74.2 million | 12.23% | 0.45% |
| Q2 2025 | $124 million | 9,369 | $74.0 million | 11.44% | 0.45% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 800,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for River Valley Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- River Valley Credit Union (main office)
7177 Headley St Se, Ada, MI 49301 - Lowell
2500 W Main St, Lowell, MI 49331 - Edmore
1369 Industrial Park Dr, Edmore, MI 48829
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology