River Valley Credit Union (MI)

Overview / Commentary
7177 Headley St Se
Ada, MI 49301

River Valley Credit Union (MI) is headquartered in Ada and is the 110th largest credit union in the state of Michigan. It is also the 1,707th largest credit union in the nation. It was established in 1965 and as of December of 2019, it had grown to 23 employees and 10,496 members at 3 locations. River Valley Credit Union (MI) has a B+ health rating.

Field of Membership Restrictions

Individuals who reside, are employed, attend school, or who worship in Kent, Montcalm, or Ionia County, Michigan. Any person over the age of 55 who receives a retirements annuity, pension, social security, or similar retirement payment from private or government sources and lives in, or belongs to a retirement organization located in Kent, Montcalm, or Ionia county.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. River Valley Credit Union (MI) has a relatively low asset base.

Health Grade Components

NCUA #62123
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD9.05%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$92.2MM$91.6MM
LoansQ4 2019vs Q4 2018$49.7MM$46.8MM
DepositsQ4 2019vs Q4 2018$83.0MM$83.1MM
Equity CapitalQ4 2019vs Q4 2018$8.5MM$7.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$746.00K$516.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$172.00K$273.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River Valley Credit Union (MI) Savings Account Rates

2.53%$100-Health Savings Account
0.50%$100-IRA Savings
0.05%$100-Christmas Club
0.05%$25-Thrift T Rex

River Valley Credit Union (MI) Money Market Rates

0.20%*$25k*-Money Market
OTHER TIERS: 0.10% $2.5k - $25k

River Valley Credit Union (MI) CD Rates

1.26%$1k-60 Month CD
1.01%$1k-48 Month CD
0.90%$1k-36 Month CD
0.80%$250$10k12 Month Youth Certificate
0.80%$500-24 Month CD
0.70%$500-12 Month CD
0.60%$500-6 Month CD

River Valley Credit Union (MI) IRA Rates

1.26%$1k-60 Month IRA
1.01%$1k-48 Month IRA
0.90%$1k-36 Month IRA
0.80%$250$10k12 Month Youth IRA
0.80%$500-24 Month IRA
0.70%$500-12 Month IRA
0.60%$500-6 Month IRA

River Valley Credit Union (MI) Locations
Branch Office2500 W Main StLowell, MI 49331
Branch Office7177 Headley St SEAda, MI 49301-9900
Branch Office1369 Industrial Park DrEdmore, MI 48829

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