# RIVER REGION
LUTCHER, LA · NCUA charter 13763 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-region-13763

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 2,470 members of 5,600 potential (44.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $42.4M |
| Members | 2,470 (0.6% YoY) |
| Full-time staff | 6 |
| Net worth | $8.1M |
| Net worth ratio | 19.2% (p71 of band) |
| ROA (annualized) | 0.00% (p24 of band) |
| Total delinquency | 1.84% (p76 of band) |
| Net charge-offs (annualized) | -0.02% (p19 of band) |
| Loans / shares | 27% (p10 of band) |
| Cash / assets | 75.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 3.68% (p52 of band) |
| Vehicles % of loans | 48% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.60% (p55 of band) |
| Vehicle NCO | 0.00% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 24% |
| Average share balance | $8,123 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,400 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

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

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

- 2025-06-13 [6 Credit Union Rebranding Initiatives Unveiled So Far in 2025 - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxPMTlpTkVHU2FDMTFZcl9mMkFndG1jVFlxWktNRHhwR0daQUdySTI3RVFYU29EOFNEbXAwLVFKa1NjZktQNENMR0FBWGd4aXFxT2JOcnZ0NVVLb3RlVjVrMDZnZmhyMFVnOWdTakR1NGhTS1pmb2luMU9GZTdUendyd0t3MlhpSEpLWjBLU256TmtNZjZuc2xpZ3FYc2dLUQ?oc=5) · CUTimes
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - Android Police](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · Android Police
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2025-05-10 [Helias Catholic recognizes seniors’ accomplishments - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZnliejRaUGxleVFJempjdXA1VVRFa2pUYnJTUllRb2pHM29RYVBNeUtkQW9qR3ZJZW1yX0NtaWp1Y2hoN0pQQi1VVHJsMEs0ZVZSVFVIWTgxcWRVS3JZOVJUWlV6b2JQWGNXcHdBSDc4QThCaWVqSm4xU19qZUEwU1RtaHlOYXp1SnVCTlFJenJTVnlfdXc5d3ZKdVQ?oc=5) · Jefferson City News Tribune
- 2022-06-30 [Lane Louque Obituary (2013) - Lutcher, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQN2VxZGFFaURVUWlRQ0VEa2VIbGNQNHdMc0Y5OUxpZTktcEJfNTRBcTNEeU9xWnJ5Q0tld1VmYXlVcTdIajM2QjQ1R0JJbXdUTTVfSUxoazV5SDR3YnZZS294SngwQmdKNjI4VXkwVV9pTW5vOGxtdTctRU8wcmw3TXU2YzVzODZIQ2YwdjZBMA?oc=5) · Legacy obituary
- 2024-05-16 [Helias Catholic High School recognizes seniors for service, scholarship, achievements - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxNekJBek1xYzZRem9mdncwa1FZdUZpdmNlMjF5bGNubFhOQWhPeHB5MDVyOTJyc2JLMzNnZ2ZjWW5McFExMlBlMFBkTmc3bW80c1BPdU8zQ2ZjN1g3TVFZQTB1YU1INkVwelpfcElIMExFdVpfRXg4VklvV3Y5NlJaalpzYmdNTHJmdmdHbUMtcU8xRXMzZER3?oc=5) · Jefferson City News Tribune
- 2021-11-19 [Police credit union clocks 22 years, savings increase to over D200M - The Point Newspaper](https://news.google.com/rss/articles/CBMitAFBVV95cUxPOFJEVmU5czVxNjVKaTJBNXlBdERvRlZqUjhNazBlOFV0aHA4ckhNMU5CV2R1aDd6bUtldXFaMkdEZUVYa3RrMWlqWjhKZDNxd3JNTlZUa1haaHZhSDRsUkFfaHF4aXV6UHlFZzRLQjcyVWJkQWJOcS1XcXd4QmJmR2E4M0FKRS1NclRLRERWdC12bE1ydDA3MmJsWUk5R2QtNnBEdlU0T1VZaXVhaUVJQkVDU3Y?oc=5) · The Point Newspaper
- 2022-05-06 [Helias Catholic honors seniors in awards ceremony - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxOLTZlME11d2N2cnEwVUVKZlR4dFQ5RmpPX29xOHRjbzhaVms3MmZyU3h4Wlgwa3FfXzNXZWVZdW5oc2pjeGdUTzJCT3pXTFM1TDM2QkxBSE52Wmo2QndPbTQyb3FrZjhrMEV3QlY0cTRWYnRFNXpWSGFVU0Y4X3Q2bWR6TUVYLUFOeUVxSS0ydmtvVmZ2VkVkTVE2SQ?oc=5) · Jefferson City News Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13763 (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/3.json (key "13763", 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=13763
- 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