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Overview / Commentary
403 Main Street
Belpre, OH 45714

Riverview Credit Union is headquartered in Belpre and is the 93rd largest credit union in the state of Ohio. It is also the 2,213st largest credit union in the nation. It was established in 1968 and as of December of 2013, it had grown to 18 employees and 6,748 members. Riverview Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Washington County, Ohio or work at any of the several Select Employer Groups. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Riverview Credit Union has a relatively low asset base.

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, 2013 Riverview Credit Union had $92,000 in non-current loans and owned real-estate with $8.72 million in equity and loan loss allowances on hand to cover it. This gives Riverview Credit Union a Texas Ratio of 1.06% 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 Riverview Credit Union decreased dramatically from 4.58% as of December 31, 2012 to 1.06% as of December 31, 2013, resulting in a positive change of 76.99%.This indicates that the balance sheet and financial strength for Riverview Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Riverview Credit Union has decreased its total deposits by $-462,000, resulting in -1.05% 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 Riverview Credit Union has shown is average.



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. Riverview Credit Union has $52.27 million in assets with $8.72 million in equity, resulting in a capitalization level of 16.68%, which is excellent.

Institution Statistics

NCUA #62413
Year Chartered1968
Primary Regulator
Assets and Liabilities
Assets$52.27 million
Loans$13.58 million
Deposits$43.42 million
Equity Capital$8.51 million
Loan Loss Allowance$213,000
Unbacked Noncurrent Loans$92,000
Real Estate Owned$0
Historic Data - December 2012
Assets$52.78 million
Equity Capital$8.44 million
Loan Loss Allowance$174,000
Unbacked Noncurrent Loans$92,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.47%
Return on Assets0.12%
Return on Equity0.76%
Interest Income$1.26 million

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Riverview Credit Union Savings Account Rates

0.10%$25k-Share Account

Riverview Credit Union Money Market Rates

0.50%$50k-Share Plus Money Market Account

Riverview Credit Union Checking Account Rates

0.05%--Share Draft Account

Riverview Credit Union CD Rates

0.75%$1k-24 Month CD
0.40%$1k-12 Month CD
0.20%$1k-6 Month CD

Riverview Credit Union IRA Rates

0.75%$1k-2 Year IRA
0.40%$1k-1 Year IRA

Riverview Credit Union Locations
Branch Office39 Acme StMarietta, OH 45750-3307
Branch Office403 Main StBelpre, OH 45714-1615