River Valley Credit Union

River Valley Credit Union is headquartered in Miamisburg and is the 24^th largest credit union in the state of Ohio. It is also the 847^th largest credit union in the nation. It was established in 1949 and as of September of 2011, it had grown to 60 employees and 14,941 members. River Valley Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics RIVER VALLEY NCUA # 68475 BankRate Report View Year Established 1949 Employees 60 Primary Regulator Assets and Liabilities Assets $205.27 million Loans $157.66 million Deposits $182.51 million Equity Capital $17.55 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $745,000 Historic Data - September 2010 Assets $185.35 million Equity Capital $15.96 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $184,000 Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets 0.78% Return on Equity 9.08% Interest Income $7.07 million Non-Interest Income $1.85 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 River Valley Credit Union had $1.76 million in non-current loans and owned real-estate with $18.73 million in equity and loan loss allowances on hand to cover it. This gives River Valley Credit Union a Texas Ratio of 9.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River Valley Credit Union decreased slightly from 12.65% as of September 30, 2010 to 9.38% as of September 30, 2011, resulting in a positive change of 25.84%.This indicates that the balance sheet and financial strength for River Valley Credit Union has improved slightly in recent periods. Deposit Growth In the past year, River Valley Credit Union has increased its total deposits by $19.31 million, resulting in 11.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth River Valley Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. River Valley Credit Union has $205.27 million in assets with $18.73 million in equity, resulting in a capitalization level of 9.12%, which is average.