# RIVERFORK
GRAND FORKS, ND · NCUA charter 13067 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverfork-13067

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 2,130 members of 4,200 potential (50.7% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *auto monoline*. 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 | $31.0M |
| Members | 2,130 (-1.9% YoY) |
| Full-time staff | 5 |
| Net worth | $4.4M |
| Net worth ratio | 14.3% (p46 of band) |
| ROA (annualized) | 0.38% (p41 of band) |
| Total delinquency | 1.27% (p67 of band) |
| Net charge-offs (annualized) | 0.89% (p84 of band) |
| Loans / shares | 47% (p34 of band) |
| Cash / assets | 56.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p17 of band) |
| Operating expense / assets | 2.37% (p17 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.92% (p63 of band) |
| Vehicle NCO | 0.70% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 22% |
| Average share balance | $6,537 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,600 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | auto monoline |  |
| 2017-12 | 0 |  | auto monoline |
| 2018-03 | 2 | delinquency rising, auto monoline |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | delinquency 2x band | assets shrinking |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | margin squeeze |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 1 |  | net worth falling, losing money |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 4 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | losing money | delinquency rising |
| 2025-06 | 3 | net worth falling | losing money |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | loan book shrinking | net worth falling |
| 2026-03 | 2 |  | delinquency 2x band |

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

- 2024-05-28 [New board installed at Dakota Credit Union Association - Grand Forks Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNWtia09kVWlHcmw5Wi1Nd0VjYlAzZU14RDVMTnZhN2swZXQ3cXJtOGw3c1BFclRKRkE2ZWI2S0JRUHFZRkxXc3E3cEMtNEc2aDBLMG12ai1TOXpfa0J4RUgyZlYwMTktSVp0THpScFNzeFRDVFF5SWdiM3NqRy02anpLb01vWmZlUzBNSzkyb1o3TzlMZTMza2RhdXEtN2JVZFlJTi1WUQ?oc=5) · Grand Forks Herald
- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2020-08-26 [League elections, new c-level officers and more CU execs in the news - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTTRRTEpoOGNuTTVkclFpdWNWcWNZTnZvTW5jX1VUcTRrNFRERzFjNkZaYWs0aFJ3TkllSTdjaHVFNzZ6WDk1YUltSEZkMm1CYU52RTBfWTJGQUtySUNVbExBWUprMzZUODliWVA0OGVRbGFxQTNhaWpxQlZyWmZWUkhlVEs0UnExMmJxRnBnTlBfYmtjemRSNDAxdm9FM0RNSWhHR25xOU8taUU0MmhyTVNzZWdlaXc?oc=5) · American Banker
- 2013-09-20 [Helen Grace Schauer Obituary Sep 20, 2013 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE84ZG5JNGFFVFNDZWowY05vTVF4TWNUSEZVZUZubkFybmhEdUZROXFxemo5SzVNSmtoUzBxYUEzVWpMQlN0WUVmUk9OMHlUYXdHSUNqUjNfaVp1aXcxTVlNTEdiUTI?oc=5) · Amundson Funeral and Cremation Service
- 2008-03-20 [Obituary for Stacey Lee Williams at Gregory J. Norman Funeral Chapel - Gregory J. Norman Funeral Chapel](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1MQVZZTjhxdjJFRC1lSXF4WW1GRXNlTDlEQ19LUW9HMG40N0ZzMlhhN0ZaUFFXRTlScURFRmJQUjRSYk1QM0ZKYV9KOUg5ZFN0OG9tWXBLNDE?oc=5) · Gregory J. Norman Funeral Chapel
- 2017-01-23 [Ron Shannon Obituary Jan 23, 2017 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1JNm5iRkd0SnpRanU0X2FmTU9JZUl1Ylppd3lnMGxuU2tSYmpzeHRpOHpIcHNQUWxpM3QxazVKSkxEOUFOOXNiaVdOdGVVUml2Zy13R2JPTVdkaTQyYWxSUmFNTHo?oc=5) · Amundson Funeral and Cremation Service
- 2019-08-16 [Business announcements and new hires - Grand Forks Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxQYmotLUtpNkNPZDBKazhkYW5sYmdaRzZFb2syZzJkYjdYRm9lX2w1eGlVSGk2OEM0VXQxLW9DWVlMa1MzZ05DcHNKWUtmWlMzRWxHQ0xuRlM5dDhwSVY0R2ZMNnZDM0lpY1NPZXk3dWRDOGlrRTgtWU1mYktEOTZmemZnREM?oc=5) · Grand Forks Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13067 (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/11.json (key "13067", 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=13067
- 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