THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members during times of economic trouble for the credit union. It follows then that an institution's level of capital is an essential measurement of its financial fortitude. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, RIVER VALLEY received a score of 6 out of a possible 30 points, coming in below the national average of 15.65.
RIVER VALLEY had a capitalization ratio of 6.00 percent in our test, below the average for all credit unions, suggesting that it's weaker than its peers.