# RED RIVER
Altus, OK · NCUA charter 12082 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/red-river-12082

Who the members are: federal charter, community charter, organized 1957, low-income designated. 9,049 members of 1,011,339 potential (0.9% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 114.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $164.0M |
| Members | 9,049 (-0.7% YoY) |
| Full-time staff | 33 |
| Net worth | $19.7M |
| Net worth ratio | 12.0% (p55 of band) |
| ROA (annualized) | 1.55% (p88 of band) |
| Total delinquency | 1.16% (p79 of band) |
| Net charge-offs (annualized) | 0.16% (p29 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 2.90% |
| Net interest margin | 3.75% (p56 of band) |
| Operating expense / assets | 3.15% (p31 of band) |
| Vehicles % of loans | 33% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 254% (p92 of band) |
| Vehicle delinquency | 0.11% (p14 of band) |
| Vehicle NCO | 0.26% (p34 of band) |
| Repossessed % of vehicle book | 0.15% (p84 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 34% |
| Average share balance | $8,600 |
| Participations bought / yr | $38.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $46.2M |
| Loans outstanding per 100 members | 114% |
| Loans granted per 100 members, annualized | 99% |
| Average loan balance | $12,498 |
| Loans granted, annualized | $82.6M |

## Participation posture (from the same filings)

Bought $38.0M and sold $0 in the latest annualized quarter; $46.2M outstanding purchased (234.6% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 5 | net worth falling, delinquency 2x band, repo signal |  |
| 2016-12 | 7 | losing money, expense trap |  |
| 2017-03 | 5 | members leaving | delinquency 2x band, losing money, expense trap |
| 2017-06 | 3 |  | net worth falling, repo signal |
| 2017-09 | 2 |  | auto monoline |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 3 | repo signal | net worth falling |
| 2018-12 | 2 |  | repo signal |
| 2019-03 | 2 | net worth falling | members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | repo signal | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | repo signal |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 1 |  | delinquency rising, net worth falling |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 2 |  | delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

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- 2025-10-10 [A Bridge too Far in 1931 had Texas Rangers and Oklahoma Guard troops pointing guns - KFOR.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxORkQzOUFYWDhsdERxVlNZMExoUEJuSFk0d19YOXQ3clVnMTh2WGliVFJYYXJITkZuMDlsWXpEZVpHTnBkWndCT0FvVndaYm9pOXlxcUp6dG5qOG51eDhOVVlXQXMtclVvNVphTGxIZE1kMUs4YlRYR1lHeVNQUlhFOFVPZTliaGNvandwdW11YmFabU1SMVE0Tm95TFhNTHEwT2l1ekxwUVV6dk43UDhUbXItYW9lMzgw0gG-AUFVX3lxTE1Ud2VNZ3FFc252UWUzNnZuU1kzUE1zc0Q4WXlMNWh3Ny1zWm5QUzUtY09RU1BSMHl0ZFNURUstM1RWYTh0dF9kZVVVUGZIRlhsV1lWazMwNmV6QWFKNF9PUW5FLW5zOUVjV1ItMjZGei1nWTdETDFsa3FLRVN6NXpad0JhRlNJUlI3WFN6MmxTS3JiT0o3Wlo1VFczSXJQS3RJcG50eTg5amsyNXhLMzhHOHhtRnJPcWRYY1NzYXc?oc=5) · KFOR.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Oklahoma - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWFY3Tl9CSk44VG93QnI4Q2JMOV9BUTExTXVSV081cEVjdXdjeENIcF9ITk15UjNpR0dtdVlRd2hnSWdydWlLZEtjSEpWZjFHM19fTV9ReVM5M0txdzRLTHpjamJwSzNsdVhJSFp1aGIyejNhUjZtN1JoVGhOVDROVmxzY0c5MlBWZ2ZMRmpoZw?oc=5) · Newsweek Rankings
- 2022-01-27 [Kathryn Elizabeth Terry Obituary Jan 27, 2022 - Kincannon Funeral Home | Altus, OK](https://news.google.com/rss/articles/CBMibkFVX3lxTE1XMDNqN1Vhek9XLVlCRlBHWHlELVZmVkxtRXhoWUlJSElvZlJNQkJxUWNQWUl6VkVIOTZ1Q1BDMVVhVFBhWGIxbXFMdVpleVlyell4VFFCUlVjMXJiUC1YLU5xVGZudGVleGlVZld3?oc=5) · Kincannon Funeral Home | Altus, OK
- 2019-04-05 [Sand Springs Accountants & Financial Services - Sandite Pride News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9ReTRsU1V1OTkwN2tONVZ1NDR0dTJNUnN0WWNTRjZkRnBxNUdMWTFtNXFzS2pLSi1RWkdKYXBkWjIwbURmODJIbHZyNEh1clU3bGhaTnJR?oc=5) · Sandite Pride News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12082 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "12082", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12082
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide