# RIVERWAYS
Rolla, MO · NCUA charter 12890 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverways-12890

Who the members are: federal charter, community charter, organized 1959, low-income designated. 10,772 members of 744,459 potential (1.4% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.1M |
| Members | 10,772 (9.0% YoY) |
| Full-time staff | 39 |
| Net worth | $11.0M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 1.13% (p76 of band) |
| Total delinquency | 0.16% (p12 of band) |
| Net charge-offs (annualized) | 0.10% (p23 of band) |
| Loans / shares | 95% (p97 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 2.25% |
| Net interest margin | 4.19% (p79 of band) |
| Operating expense / assets | 4.93% (p86 of band) |
| Vehicles % of loans | 14% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 12% (p42 of band) |
| Vehicle delinquency | 0.47% (p44 of band) |
| Vehicle NCO | 0.97% (p72 of band) |
| Repossessed % of vehicle book | 0.27% (p89 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 34% |
| Average share balance | $5,190 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $25,298 |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $32,086 |
| Loans granted, annualized | $63.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $25,298 outstanding purchased (0.2% of net worth), $7.2M sold and retained. Sold in 5 and bought in 0 of the last 8 quarters. Shares 15.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, leaning on borrowings |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 2 |  | loans>95% of shares |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2017-09 | 2 |  | net worth falling, 3rd-party paper>100% NW |
| 2017-12 | 1 |  | leaning on borrowings |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | expense trap, 3rd-party paper>100% NW |  |
| 2018-09 | 3 | leaning on borrowings | expense trap |
| 2018-12 | 2 | delinquency rising | 3rd-party paper>100% NW, leaning on borrowings |
| 2019-03 | 5 | net worth falling, expense trap, leaning on borrowings |  |
| 2019-06 | 3 |  | delinquency rising, leaning on borrowings |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | leaning on borrowings | thin capital |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 3 | net worth falling | leaning on borrowings |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 3 |  | margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | members leaving |  |
| 2022-06 | 4 | net worth falling, delinquency rising | members leaving |
| 2022-09 | 5 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 3 |  | loans>95% of shares |
| 2023-06 | 5 | losing money, loans>95% of shares |  |
| 2023-09 | 3 | delinquency rising | leaning on borrowings, losing money, loans>95% of shares |
| 2023-12 | 4 | loans>95% of shares |  |
| 2024-03 | 3 |  | expense trap |
| 2024-06 | 2 |  | loans>95% of shares |
| 2024-09 | 3 | loans>95% of shares |  |
| 2024-12 | 2 |  | loans>95% of shares |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 | loans>95% of shares | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loans>95% of shares |

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

- 2022-03-16 [Riverways Federal Credit Union announces the acquisition of Vaughan Insurance LLC - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxNR3NEaGtsRnFDZXpPYm1WRk5NTHVmaDNoc0ItZlBrQXRxWTd0TUZqcUdLWXFteDJnNF94RXFPVE1jOGJ0RnU3dXhJZFVOeHdrRmxrTnU1Mkp6bURiQWRScmhyRzRXQ2o0X1pqNkVEUlNyUkhfcERsODNTdjNqcE9GTWp1dTNGTW5VQThEWWtZSGRDSC1vRzVKSF9TTDdLY3ZWeFhaV0VkSDNTLXpGenBfY0xrWmwyMXJ3TlNpV2Rtcw?oc=5) · CUInsight
- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQMmplVjNCVU5Wc1E5cDNiUmczTmdHekZ2NkxMcHd0RExxUzg1VVlydWJ6MVVCdlBrX0ZaZHdCeFBZM0plSUtCMDg5Vk1XUkcyYmc0UzJ0anNJMXB3OFF4endyQ2VXVWhPTVd5b3BrX2lvS055emE0Wmtkbi04Y3pZc2piOFd1elZpSUJ4a3pLWTNicG9mOUV3ZTI5Nk1OY0hBRGY1TThkUnhqUjJmTDBSa1BBUXdveTl2WWNNN1JYSnlhMEVWLWMyR01rVTI4X1NjWVE?oc=5) · Business Wire
- 2021-12-10 [Archer-Elgin wins award for new Salem Riverways Federal Credit Union building - phelpscountyfocus](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNaFJWQ1NjZHVBSlYzZHJHbUdBZGNYNFR4RTZVUmpEUWpRUVhsRzNydFktQ2t0RjdLbkdwQl9WcFVZZ2t3alhLczU3eWFsZ0Zpb2JNeEREekd0Y3dackJ5WmR4SkR3X0JIYjhQWHBoc25BbjIxbnJnZkxIclpHYVhsZ01FdUJtYjdSYVg1TDFydDdBWE1GZUVVR0Y1V01tMlV5UlQxOFVXcGlNZGpCa0M5c1RMekxJUURVRzdz?oc=5) · phelpscountyfocus
- 2025-01-23 [Google Wallet adds 22 new US banks: Is yours on the list? - androidpolice.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB4SVVIaXJ3ZkthMF95Z291WnR6eHZhQkdSUXpjaUQ4RTEyYWN5bWYwdlFIMHo3WkRnQUZwZmMxX0tHMmJrUnlWUmlpa2FTZ3N6eEVuUUNiSjhaYTZBOUtOZGltRlpHd1Fmckl2aGV5RmJXbThYbTBYc01iQ1pWS1k?oc=5) · androidpolice.com
- 2026-02-25 [Local sponsors help spread Wildcat pride to Crawford County R-2 students, community - Three Rivers Publishing](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORGo1VFMtNmVIU2R6VHo4U0JLR2pOMTVYS2pPVzFvSUQ1cVpHdFVFNV9JdkVMMlVPR29KTExQc1RyZnJIc3pSMkU0QkVXQ051YkdWRGZPQ01sd09VaDhUUEp4SFFRdkp0cHRsZnlydWNNM0FVZ1ktY0ZlRXlmSkthbThZWGpTSExKX0p6WklMV1VzaEZncG95d1M4ckFyeU0xN2xDSWpfV3QyN0xQUGR5OU4yWWsyVF9GbC1meXBhRkRaem8yeGFsM21jVFlBSXRs?oc=5) · Three Rivers Publishing
- 2021-12-03 [Cornerstone Community Receives FOM Expansion Approval for All of Michigan - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSzk0eWkwNFZLRzh0NGxUaGdYbFhyVHNoTGhlVnNfbUxsQTF2cV82cFpHaWJUNmxSQjA2QWg1UV8tSzBKaE9iblY0RVJ6VmJRMWRKdVJMMHpSWUotdEwyZGVKT0VMUE5teWJSeXIySENXVzRaZDNETkRIOXpWT1pyRHFRVWk4MXBJQm9FcE1mQzRTUE0xdDN4UmxjNUQ0akpGRHJ0eXBZQXdiTjBBcVE?oc=5) · CUTimes
- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - AOL.ca](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc0NGODZYVlhyTmpzQjU5N1NhUkRONUFFZEUxako0REVHZlR2ZXFZVVZFWDVwQ3Y3YWREZlRNazlBYjhYbUtYbThYOHh4cTBDOW10R3hHZWlUaUJPR3JCdmFoZ040eUpIQ3dNclNWamUzY0E2Y3N0TlR2LUlPMl9WUWFR?oc=5) · AOL.ca

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12890 (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/26.json (key "12890", 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=12890
- 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