# TRI-RIVERS
MONTGOMERY, AL · NCUA charter 14314 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-rivers-14314

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 4,139 members of 27,000 potential (15.3% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *stressed*. Composite score 12 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.0M |
| Members | 4,139 (-30.9% YoY) |
| Full-time staff | 9 |
| Net worth | $256,509 |
| Net worth ratio | 1.8% (p0 of band) |
| ROA (annualized) | -5.08% (p1 of band) |
| Total delinquency | 3.67% (p87 of band) |
| Net charge-offs (annualized) | 2.34% (p94 of band) |
| Loans / shares | 67% (p65 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.98% (p97 of band) |
| Operating expense / assets | 14.90% (p100 of band) |
| Vehicles % of loans | 72% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 2041% (p100 of band) |
| Vehicle delinquency | 1.88% (p77 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.21% (p93 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 31% |
| Average share balance | $1,470 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $3,999 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 9 | thin capital, capital below 7%, losing money, expense trap, delinquency 2x band, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 8 |  | repo signal |
| 2016-09 | 9 | repo signal |  |
| 2016-12 | 9 |  |  |
| 2017-03 | 14 | margin squeeze, charge-offs p90, assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 13 | net worth falling | repo signal, loan book shrinking |
| 2017-09 | 12 |  | margin squeeze |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-11-19 [John Jenkins Ivery Obituary in Montgomery at Ross-Clayton Funeral Home, Inc. - articobits.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOR0ozODQ2UjExUWptc2VzQ3ZuYm5abmJRN18xMlE1Q2VHVThNNWp4UDdha2ZEOGszOS1yRTZTX21BX0dqOXFLWDVXZlFaWTBVaEZOZWsxS0RHLWViSmZjcmtUM2Y4c1pvbUJtVjZMZjVFekFKNF8teDlJVW1WZXpXcE5XUGVBTFY3V2tQX3ludy1qMUNqUm1vNFdR?oc=5) · articobits.com
- 2026-02-26 [Marion Women’s Business Council reveals 2026 Athena award nominees - The Marion Star](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNcEN4U3RQbjhYVlh0dlBySkZNRGhUYnJIQ2FsZm0zU0R3b1BJSU9YTkNRc0tubE56RzJrS2dpR3psSmpKR01LZ2pDMDdZN1hEbUdZRlFkbGVhT050blo4ajc3MF9YZ0s1QzhpWDdHbWJ1Qnh5QTROUGVDbl9kSGFCaVNOOHc3cEc2SGpQM3pOMGVlZmE5UTdnRm12LTAxZmZ0dnN2RF9ZV1lNNVNMQXRNMW1xRXVIamQ3RFBaQWNyZmdjZXlSNXVBRGhEdmNQREkxbVE?oc=5) · The Marion Star
- 2019-01-22 [Judy Pugh Obituary - Montgomery, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5tQUZ2bVMtQmdXa044Qm02Sm9hRXFUSUN2SmhCM0U3T18yNld3U25wb0doZWdrSHduVTlwMDY2X2k1TkJBbEpIcE1jU1k3RHB0aTZfcjlwTXNLZGJzeVI4cl9XLWU4d1hRZ194SUxwaGlXVFl0TE1ETGU5dWltMXM?oc=5) · Dignity Memorial
- 2026-03-19 [High school girls basketball: The 2025-26 all-conference portal - thegazette.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNT1dOY0w2WEF1SzkwakhJQlRfMVZQVEFPX2pCaENPNjVncnNFV3lNek9qMElkTjQ2Y0g2VFdVSE1hcXctOWFtcTVVbkRYdlhEVWZ4bmdwd2I5MElyX3NxWW1kN3BISmFRUS1qVzFXbjZvRjBjVDVJcWwxSHBfZFlPdVNFWFRNZ3lwaFNtSVYxSVlHT0Y2WmRZTm1OXzI4RWRVdFhwbzBwM2VpdVNCT3BUNmtkVXVJVGhJN09PMldhNmNSZ2NaS3F2UlUydldYN2ZRZGdOMkxSRFBlQTk3VWs2QlM5NGU4c3RUaHBuZWVraTlTTWFLWm0yM29BV1lKUQ?oc=5) · thegazette.com
- 2017-12-26 [Remembering the Credit Unions We Lost in 2017 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZDhaZEtnc0h3TWR6ZHBmd2NSX0d0YVdaTk0zQWx4T3RFYjRkSngzWGFiWGlXVjhOZHdTaXJ2c3FxTEtmRmRObmZ1Q243TG8xeDdBM1E0UndiaTFjVkNVN1JraDV0bnFfVkg1ZndoUGo4QXNxLWlKMkpYeXpZZHg1U0VvR3hnZw?oc=5) · cutoday.info
- 2024-09-24 [What’s being built there? New Kennewick restaurant + Hundreds of lofts and townhomes - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE1JRUNCQkZSY05mUWNOSUZxNm1YX0EzYzkwTUpmbHhHSDVoM1oyV3RQMG4zMklaZzBhQzY4T2c5cEVVbnFRRXE0SkRmSlBjY0xLOExYM005Wm9NN3BjZWViUnNEUy0xM2dQX25qOVV6WFZmUzVY?oc=5) · Tri-City Herald
- 2021-10-01 [Edward Stevens Obituary (2017) - Montgomery, AL - Montgomery Advertiser - Legacy obituary](https://news.google.com/rss/articles/CBMinwFBVV95cUxOamhuT1NIVnU0UXl6MWZXVUFBOFBoaEhjSzROV01ldnA3WWpKN2JUT3dDRzdLTGNXblFhVGJ4Yko5a1NWT0padFdFR3hWTnI5VGpiaW13d1FfenF3dFVZZHdwUWxCYW5OcGxTelJ1Z2U0NUpuVVdwQ2Z2MlV2Q2c3N1VYTVZoejJmamN4WWF5Si1Mb005UFczTzZZdzBqZ3M?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14314 (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/42.json (key "14314", 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=14314
- 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