River Valley
River Valley is a credit union based in Ada, Michigan, established in 1965, with $124 million in total assets serving 9,205 members. By Trust Grade it ranks 74th of 170 credit unions we track in Michigan. Its net worth ratio of 11.9% is stronger than 59% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.63% return on assets. No consumer complaints against River Valley appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How River Valley compares to Michigan peers
How we graded River Valley
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.9% capital ratio)
- Profitable (ROA 0.63%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for River Valley over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at River Valley insured?
Yes. River Valley is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
River Valley: frequently asked questions
Is River Valley a good credit union?
River Valley earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.9% capital ratio); Profitable (ROA 0.63%).
Is River Valley NCUA-insured?
Yes. River Valley is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is River Valley?
River Valley holds $124 million in total assets, ranking 74th of 170 credit unions we track in Michigan. It serves 9,205 members.
Does River Valley have CFPB complaints?
No CFPB complaints against River Valley appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
