# R.I.A.
Rock Island, IL · NCUA charter 17117 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/r-i-a-17117

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 39,879 members of 476,800 potential (8.4% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $674.1M |
| Members | 39,879 (-0.7% YoY) |
| Full-time staff | 133 |
| Net worth | $53.8M |
| Net worth ratio | 8.0% (p8 of band) |
| ROA (annualized) | 0.40% (p28 of band) |
| Total delinquency | 0.60% (p51 of band) |
| Net charge-offs (annualized) | 0.70% (p75 of band) |
| Loans / shares | 77% (p36 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p71 of band) |
| Operating expense / assets | 3.77% (p61 of band) |
| Vehicles % of loans | 37% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 260% (p85 of band) |
| Vehicle delinquency | 0.65% (p58 of band) |
| Vehicle NCO | 1.70% (p79 of band) |
| Repossessed % of vehicle book | 0.52% (p96 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 118% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 31% |
| Average share balance | $8,467 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $146.8M |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $16,087 |
| Loans granted, annualized | $116.2M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $146.8M outstanding purchased (273.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 2 |  | net worth falling, delinquency rising, leaning on borrowings |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | thin capital |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 |  | auto monoline |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | charge-offs p90 |  |
| 2022-09 | 4 | members leaving |  |
| 2022-12 | 5 | repo signal |  |
| 2023-03 | 5 | net worth falling | repo signal |
| 2023-06 | 3 |  | members leaving, net worth falling |
| 2023-09 | 3 | repo signal | thin capital |
| 2023-12 | 5 | thin capital, delinquency rising |  |
| 2024-03 | 4 | net worth falling | repo signal, delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | repo signal |  |
| 2025-03 | 4 | net worth falling | charge-offs p90 |
| 2025-06 | 2 |  | repo signal, net worth falling |
| 2025-09 | 3 | repo signal |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2026-05-04 [RIA Credit Union announces merger deal with Redbrand - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdHNsZVllcUNiN2RBUVdKLVhlVzRQcHVLZkpHSmNFdGtzdWg4OW5oLWd4alY4RnAyc211Yy1ISEwwd1pRQnJiTlMxOU1YWkVuenRFV1NqOU9LZGZ6YnhJR3pWSnZfVFRtaFFrWGg3VTBmNHdTaGZ0bl9mb3ZJYnFrSVM0cHhrdE8zZUFvQw?oc=5) · Quad Cities Business Journal
- 2026-05-01 [RIA Federal Credit Union merges with Redbrand Credit Union - OurQuadCities](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQnIyQ0hERk9raGxiVFR6ZlpKcVBBMlI5YlE3R2FwWHJkSXBsTW12QTNDcVdTcmpnaUpQNnh5dHpEVkJ0VzVrdUxZQkNJUjg3dlpHYUNRY0hHNGNJMkRKUUp6MGgwU1JzT1gxalVmUklzZ1FLdktvVjFCOXpURXY5WFliTlpGdjNDM0Q4cXhVVjNKcklEcDhza2pQZEY2OFo5bFZGTGlQaU7SAa4BQVVfeXFMTU92c2pyWFFTT2xTQUFKbGxzYUhoOUhRWG5oZ3NMa3ZaYzQyeDREUkU1S01Ldk9OU0RjTThLN3NKMzBIMnhPbUJEZFc5al9OaWNUNENSQkR3Yl9lRExMQjlhMjUwVFo3NlNTb2dsb2RmTTRiSTZZSGhjYlFqOTV0UzNuLXhjUGtIZEM0QW12TkpPQndEZEFSdVNFd01zbXVWeTR2TUxGNDBlOWdMbzl3?oc=5) · OurQuadCities
- 2026-05-04 [R.I.A. Federal, Redbrand Credit Unions Complete Merger - CUTimes](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWkdXODZ4V3RoX2JjTFJUU0JzaG5pa29qd28wT1FaSklVQVBRU1BMNzZUUUZKMUpMQmNHZlFlQjNwemlBREtSemRtTWQwU2s0bWxGblp0LUhCX2tHMUdlQ2pzcXYwOXQzOG5MT0ZGMGhYLWo2dlZmYm5SRHlkMzB2dUw0QlVVOW13RVFZZmdVQQ?oc=5) · CUTimes
- 2018-08-06 [UPDATE: Davenport Police make arrest in RIA Federal Credit Union Robbery - KWQC](https://news.google.com/rss/articles/CBMirgFBVV95cUxNc1JnUXVWUTRTV1lKbXVReFR5Uy0tbEFKd1RmTnN4WFVLWGVhUFY4Q0NaZ1Z2UHY4T3dSekpTeV93cTJpN2JzM0RyazJvZWI3QnRyNEhockRmYzZBRkdyOEhQeXBSbjFXWGljRU96NGRuU1hhQ0t3LWFNXzhqV28xQ0k5RHIyRGhHeFhLVXNncXlQVzJvc21xV1dOMWlXdmxlczAtRUNtdGRiSnk5c1E?oc=5) · KWQC
- 2025-11-06 [October 2025 RIA Channel Updates | Key Insights - dakota.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxObG84Y0huU2hETGs4N2ltTFRINXVZRzNEODk4Y0xsT0JkTUg5V2h5TUpBc3ZKUHJUcEloQml4X3YyUjQyVUFxQlRpTFJKODU4TTlLVTJWS0hnTmxWb0stYlNXVktieS1VVW1qMVptV1pUc01MRXFuWXFIbFZTWW1xUk5FVUxUREVqNWpj?oc=5) · dakota.com
- 2019-11-13 [Hampton Elementary students awarded for kindness - WQAD](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTzR4NktfLVp5M1pIR3RoNEFhdE1DRjVnWV94a3pMQXlCUU5HOTlhb3dmWEtZUWtybXUyS1N0VDlBTmZfNmxzLTI0NDdJb0VyeWFMN1ZQdEJCd3lhMW1hejU1RHc0Ry1uekpEVmt4VFhqdWhKRkVNWjUxZjJDNGczTm5jSjBCNm5fbGx3a0JPdjZiT04yRWNYR3FGRDhodmNPNktXSmZ3SHVxLVZGdFJjcjdhMDlvSHJTbGkxX3h2R3BMRlltSTZfQmlCTWdCdkE?oc=5) · WQAD
- 2020-04-27 [Clyde Robert "Sam" Semrow Obituary Apr 27, 2020 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KSEkwTWZSWDZOMU90OFFqVjAyd3EtWlBNdjJVQmVKZTdteHpUOEV5Zkw5Ty15MnB0RXVVandDSEZFNGR2d3lfTXZKb3kzZHBCa1M2TDQ5V09YV2NvSzY5NWdqOWxmUVowdi0xSnZZTW4?oc=5) · lawjonesfuneralhome.com
- 2025-04-24 [Jack J. Boccarossa Obituary Apr 24, 2025 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9icnNDTVZ1cm9menNxcnFPcXlocl9mb1NjTUxOMlUyLXVrb3VWcGM4VFkyLTFPWThpN2Rsc2N5enVuZ25mWnhRWDhINlNleld3elRyRGNHRVZKdmQxTVIwMkg5X0JMNGpw?oc=5) · wheelanpressly.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17117 (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/29.json (key "17117", 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=17117
- 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