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River Valley Credit Union Share
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Overview Share
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River Valley Credit Union is a non-federally insured state credit union based in Miamisburg, Ohio. It has been opened since 1949, for 73 years.

With around $340,160,000 in assets, River Valley Credit Union is considered to be a very large credit union. It has 7 branches and 6 ATM locations.

About Share
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Address 505 Earl Boulevard
Miamisburg, Ohio 45342
Website http://www.rivervalleycu.org
Phone (937) 859-6260
Fax (937) 859-4315
CEO John E. Bowen
President of the Board Daniel Gorman
Services Offered
Score Card Share
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73 years
Years in business
Opened in 1949
Well Capitalized
Net worth classification
Source: NCUA
25,716 members
Membership type: State chartered natural person credit union
Above average number of members
317:1
Credit union member to staff ratio
317 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$340,159,941
Total assets
Above average
7 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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7 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
River Valley Credit Union Branch Locations

River Valley Credit Union: West Carrollton Branch
2094 S. Alex Road
West Carrollton, Ohio 45449
ATM Available
River Valley Credit Union: Beavercreek Branch
3927 Indian Ripple Road
Beavercreek, Ohio 45440
ATM Available
River Valley Credit Union: Middletown Branch
815 Elliott Drive
Middletown, Ohio 45044
ATM Available
River Valley Credit Union: Springboro Branch
25 W. Central Avenue
Springboro, Ohio 45066
ATM Available
River Valley Credit Union: Dayton Branch
1030 North Main Street
Dayton, Ohio 45405
ATM Available
River Valley Credit Union: Alex Loan Center
2098 S. Alex Road
West Carrollton, Ohio 45449
No ATM
River Valley Credit Union: Huber Heights Branch
6595 Brandt Pike
Huber Heights, Ohio 45424
ATM Available
Members Share
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25,716 members
Membership type: State chartered natural person credit union
Above average number of members

With 25,716 members, the River Valley Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 85% of credit unions.

Fees Share
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$94
Average fee per member
The average fee per member at the River Valley Credit Union is $94, which is very high compared to most credit unions. This rate is higher than 82% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the River Valley Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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317:1
Credit union member to staff ratio
317 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
81 staff members
FTE (full-time equivalent)
5% of employees are part-time
79 full-time, 4 part-time

River Valley Credit Union has 79 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 95% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. River Valley Credit Union has around 317 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$340,159,941
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$12,811
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 69% of credit unions.

River Valley Credit Union holds a total of $273,850,000 in loans and leases, which is about $12,811 per member on average.

Savings interest rate Share
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. River Valley Credit Union pays 0.05%.

Loan rates Share
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11.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.49%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
10.24%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.99%
New car loan rate
Compared to 4.0% nationally
5.29%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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