Sep, 30, 2025 — RIVER VALLEY CREDIT UNION is a non-federally insured state credit union headquartered in MIAMISBURG, OH with 7 branch locations and about $491.96 million in total assets. Opened 77 years ago in 1949, RIVER VALLEY CREDIT UNION has about 26,542 members and employs 90 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RIVER VALLEY CREDIT UNION |
|---|---|
| Address: (Main Office) | 505 Earl Blvd MIAMISBURG, OH 45342 |
| Phone: | (937) 859-6260 |
| Fax: | |
| Website: | https://www.rivervalleycu.org |
| Branches: | 7 branch locations |
| Members: | 26,542 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 97109 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $491,964,683 |
| CEO/Manager: | Lee Spivey |
| Chairperson: | Daniel J Gorman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 25,502,510 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 149,031,304 |
| Unsecured Loans | 12,762,667 |
| Other Loans | 214,192,890 |
| TOTAL LOANS | 375,986,864 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,321,238 |
| Land And Building | 8,098,283 |
| Other Fixed Assets | 528,225 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 434,416 |
| TOTAL ASSETS | 491,964,683 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 239,499 |
| Notes & Interest Payable | 9,285,811 |
| Accounts Payable & Other Liabilities | 7,464,321 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 77,943,564 |
| Regular shares | 101,320,813 |
| All Other Shares & Deposits | 241,876,660 |
| TOTAL SHARES & DEPOSITS | 421,141,037 |
| TOTAL LIABILITIES | 438,130,668 |
| Regular Reserve | 0 |
| Other Reserves | 1,818,803 |
| Undivided Earnings | 52,015,212 |
| TOTAL EQUITY | 53,834,015 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 491,964,683 |
| INCOME & EXPENSE | |
| Loan Income | 16,658,379 |
| Investment Income | 2,706,685 |
| Other Income | 1,830,573 |
| Total Employee Compensation & Benefits | 5,449,775 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,057,303 |
| Non-operating Income & (Expense) | 124,376 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,107,599 |
| Cost of Funds | 7,015,539 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,301,528 |
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