River Valley Credit Union

River Valley Credit Union is headquartered in Ames and is the 28^th largest credit union in the state of Iowa. It is also the 2,292^nd largest credit union in the nation. It was established in 1961 and as of December of 2012, it had grown to 12 employees and 4,987 members. River Valley Credit Union has a 5-star health rating.

River Valley Credit Union Routing Number: 273972596

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Data for Q4 2012

Institution Statistics RIVER VALLEY NCUA # 61664 BankRate Report View Year Chartered 1961 Employees 12 Primary Regulator Assets and Liabilities Assets $48.75 million Loans $28.23 million Deposits $43.21 million Equity Capital $5.44 million Loan Loss Allowance $165,000 Unbacked Noncurrent Loans $266,000 Real Estate Owned $82,000 Historic Data - December 2011 Assets $47.34 million Equity Capital $5.04 million Loan Loss Allowance $179,000 Unbacked Noncurrent Loans $267,000 Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 0.82% Return on Equity 7.34% Interest Income $1.47 million Non-Interest Income $525,000

Institution Health Overall Score: 5 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 December 31, 2012 River Valley Credit Union had $348,000 in non-current loans and owned real-estate with $5.6 million in equity and loan loss allowances on hand to cover it. This gives River Valley Credit Union a Texas Ratio of 6.21% which is excellent. 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 held steady from 5.12% as of December 31, 2011 to 6.21% as of December 31, 2012, resulting in a negative change of 21.38%. This indicates that the balance sheet and financial strength for River Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, River Valley Credit Union has increased its total deposits by $1.04 million, resulting in 2.46% 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 above average. 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 $48.75 million in assets with $5.6 million in equity, resulting in a capitalization level of 11.49%, which is above average.

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