# GREAT RIVER
Saint Cloud, MN · NCUA charter 24632 · asset band $200-500M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/great-river-24632

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 20,937 members of 464,634 potential (4.5% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $329.7M |
| Members | 20,937 (1.0% YoY) |
| Full-time staff | 72 |
| Net worth | $25.2M |
| Net worth ratio | 7.7% (p2 of band) |
| ROA (annualized) | 0.72% (p52 of band) |
| Total delinquency | 1.00% (p72 of band) |
| Net charge-offs (annualized) | 0.73% (p80 of band) |
| Loans / shares | 94% (p91 of band) |
| Cash / assets | 4.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p61 of band) |
| Operating expense / assets | 3.74% (p55 of band) |
| Vehicles % of loans | 16% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 339% (p94 of band) |
| Vehicle delinquency | 0.60% (p53 of band) |
| Vehicle NCO | 0.39% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p26 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 76% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 29% |
| Average share balance | $7,428 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $18,001 |
| Loans granted, annualized | $49.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | losing money |  |
| 2018-12 | 1 | net worth falling | delinquency rising, losing money |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 3 | thin capital, margin squeeze | losing money |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | net worth falling, margin squeeze |  |
| 2022-03 | 3 | delinquency rising | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | 3rd-party paper>100% NW |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 6 | capital below 7%, delinquency rising |  |
| 2023-09 | 2 |  | net worth falling, capital below 7%, delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 6 | net worth falling, assets shrinking |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 7 | capital below 7% | delinquency rising |
| 2025-03 | 6 |  | net worth falling |
| 2025-06 | 3 |  | losing money, capital below 7% |

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

- 2025-04-29 [Great River Federal Credit Union Seeks Member Approval for Merger with Illinois-Based Credit Union 1 - KNSI](https://news.google.com/rss/articles/CBMizwFBVV95cUxQUzFZckdfdTd0ajh1TkJ2ZXBsRTU0TXl1bXllckZBaTVBbnZVMWlQS2p2blNKay1rejB4M3RkUkRURWtQN1ZrZmJrQ0E5Z3NpNVdQNHl5cG96MVpROEN3SHRwQnpVNmNlYmNra0VoY19id2R1aVFacEdWTXFoeElzTEZsdzJIbGJ0YlhOdFJURG5ab3lSSTF6d25rNlZvZUY3cUZ2NWgwWXAtWFJocnZ0Yk1WTWp6SG5mRjI4bHVjMy1FMEtaRk9KUWcwV3dJVWs?oc=5) · KNSI
- 2025-06-17 [Great River Federal Credit Union looks for member approval of merger - St. Cloud Live](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNaV9VcnV2NlMzVDZBQm9YTVY4eF9WLTBZR1VOVzdjN1M3LTVzZjRiZFhiUXphVWRJbFZKa0NoTVdRSXFLX3JVUHRkZnVINUNSaFB3RVZkNUo4U0psQmRYaGFiZnlDLUFrQk45TFR3ZzhEM09kYUFPbDZ4NWZDcXJJWTNJWmtxOVJNckU3UFZiSGc1ZGpRMUF6ZkMtUjdTZlQzc0N3NTFCS2g?oc=5) · St. Cloud Live
- 2021-11-05 [Great River Federal Credit Union celebrates grand opening - hometownsource.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxNNHVJNjlxQzJLbkVYZHFKSC1SVVQ3anVOTjRZN2VtZmJ1cWEtX3ktS1V2cFE0M2xIT1RHLWd1YjBjeDhXQ0lZQXNWRUgyb1ZDRGhZQ1I2ZFFNY3JLUHV1VTA5MklHc25BLV9oclVmRWRGSlFaWHZrTXpHQjRIY2RmOWdsNTZnMXBmdjEzbTZIckx3eFhqeFBZS0hLOXBkbDVySXBwZThyZURYTFlWNkJDQXJncV9YTGtjYWVobXFqQnVycjFyRExsMWo1WWZiRWluVG85UE90T2o4Z215WDZLaXVPanFEaHl5T2ZBTk9oMlhkdDNMYVFqdkJXWUltVjl1Q2M2NQ?oc=5) · hometownsource.com
- 2024-12-28 [Ninh Horgen Obituary Dec 28, 2024 - Mueller Memorial](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAzcUI0UzVvNk56aXVjY1NrMTU2Y1dqdGNJSGNad2tvNEdkbkVTclRNdHJETzNrLXJvWDlxejNiLWdORGNYR0piYjh1M0RaNXhpV2JjUG5oLVhnSGRKaDJ5NE53Uzc?oc=5) · Mueller Memorial
- 2024-01-15 [Great River Federal Credit Union announces new chief lending officer - St. Cloud Live](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVTBIMFBGRjZkRXZYcjZOcURhd0xESldGYnM3SjVzclFxNjVObXJVMm9TemFQOHExems5RXJOTzlfY2hscFpVaWJDYTh1bXl5MHVibXdZdFJEa18wbU13X0hyZ09aOERfeVR2OHJ5b1FVeEVyYjBlZVNpM2M0MUNwUUs5T1VydjRXdk1ySHZhVXFUMVhTVVI4TTBwM0x2SEdpVnBXQjRtVkk?oc=5) · St. Cloud Live
- 2022-12-03 [Scott W. Eibensteiner - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMibEFVX3lxTFBJbXBTSkRZb2RXc3hVQ2tqaElXejNMbENfdUxUeVd5dUgtMWFOcG9HQnJLQVZ2bnZmenRwZzhUMnluLUYwSEJyd0lqbkV5QXdEQW4wa3RJUnJ0RE1mTFFaY3lHVXVCVndxV0x1Sg?oc=5) · Daniel Funeral Home & Cremation Service
- 2022-03-21 [In Business: Central Minnesota Mental Health Center has a new executive director - St. Cloud Times](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQbmJHdEtNMzV0NE4wbGdIUWtrLXNYWG5NMUgwRjN3eHR4Rm00eVQtUXJaY3JXWlRRTUJ6dE82dG1QRmV1MG5WdEhxb1ppOGpNbjJrNG1jMENXdkdPTTVHMC05YXRVNGZoSmpCVjZ4aHJOc25QQmZOX3oxZVVqallsZk9NeG1VYXNQeDZkY3JOdU9XVWRzZ0NicHhka1VwT3pKdmJsVHEwQ0xjLVdQcm5FOHFTaUR2NDRZQ08yLWs0dk9QNFlQVUZnZXBacDBpRzhz?oc=5) · St. Cloud Times
- 2024-02-08 [Credit Union Supports Foley Police with $1,500 for Trauma Bags - KNSI](https://news.google.com/rss/articles/CBMiUkFVX3lxTFBwZk5XVTIwSnVBY29XdUljYXFGZkVfOHhJM3FOQVBfVlNheWtTbi1ucEdhQW9uZUpCanQ2N1JYRFhGM0tfMkVnRWFRd2U0aUVpRHc?oc=5) · KNSI

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24632 (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/56.json (key "24632", 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=24632
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide