THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial resilience, capital is key. From a safety and soundness perspective, the higher the capital, the better.
RIVER VALLEY came in below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 10 out of a possible 30 points.
RIVER VALLEY appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions.