# RIVERLAND
NEW ORLEANS, LA · NCUA charter 24860 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverland-24860

Who the members are: federal charter, multiple common bond, organized 1978, low-income designated. 16,380 members of 55,000 potential (29.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $326.2M |
| Members | 16,380 (0.4% YoY) |
| Full-time staff | 60 |
| Net worth | $45.5M |
| Net worth ratio | 13.9% (p81 of band) |
| ROA (annualized) | 0.60% (p42 of band) |
| Total delinquency | 0.68% (p58 of band) |
| Net charge-offs (annualized) | 1.10% (p91 of band) |
| Loans / shares | 100% (p98 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 5.82% |
| Net interest margin | 3.29% (p32 of band) |
| Operating expense / assets | 3.02% (p23 of band) |
| Vehicles % of loans | 43% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.58% (p51 of band) |
| Vehicle NCO | 0.40% (p36 of band) |
| Repossessed % of vehicle book | 0.04% (p59 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 25% |
| Average share balance | $8,090 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,625 |
| Loans granted, annualized | $83.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | thin capital |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze | charge-offs p90 |
| 2020-09 | 5 | delinquency rising | net worth falling |
| 2020-12 | 2 |  | thin capital, margin squeeze, delinquency rising |
| 2021-03 | 1 |  | loans>95% of shares |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2021-12 | 2 |  | loans>95% of shares |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | loans>95% of shares | leaning on borrowings |
| 2022-09 | 2 | leaning on borrowings | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | delinquency rising | net worth falling |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 4 | net worth falling, charge-offs p90 | delinquency rising |

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

- 2022-09-07 [RiverLand FCU names George Lunsford next CEO - CUInsight](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNUh0YmR0dkFKR0E1Z2E3bnk0MEdaejJ0cEtNNkplRWZJQmo1SlpwNWMwWm9DQWliTFZPTXBJM1R2ejB1SDRwNWY3SUFWNXdWYmhWQUhJdEo3cy11YXIzbkJyQnd5THVhRlZXZjBvb29TZE0yY0RUdjJ4b0Exb2R1S0pWc0J3ekpDWEVWdHlB?oc=5) · CUInsight
- 2026-03-08 [Gretna credit union manager indicted for allegedly stealing $181,000 from the bank she manages - WWLTV.com](https://news.google.com/rss/articles/CBMitwJBVV95cUxPbWNMcWQwRXlMSFdjbEMtVkJKcnJOMGJISmQ0T0dQYncwRXRiamxnYjRzemhIdlhBZ0Qzd09YeVhxcDRUYlV5Uy14azA4X1h5LUhXdjNQTjc3UTVMZ3ZkaWVpSkgyWlZUYkpzcmVwR3RCRjNTSjYxcFBFbEhpLXptRFk0V1QteWFkUW1tMVRNUE54VUZIMUswaTFlVnh2S3VaNGUtaXhmNi1RSG9sZHN4M0k4RUxqd0RRMGtDT2d0SW1HYmpOeU12NlZkb3FlMk1raDQwZzBmQ2NUNXJpcHFtNWNPNGk1SUEwOHF3cGs3ejRsQUM3Y2pwclFqRlRtY1ZVem9YNFRqalJaVml3OTZ4UW1MUzEtX25LNkVwWUp3MW1xcEpFbDhvWWFUSUF5WWRzR3hpZXNMaw?oc=5) · WWLTV.com
- 2026-02-06 [Alleged bank robber caught in Walton County - Crestview News Bulletin](https://news.google.com/rss/articles/CBMib0FVX3lxTE5CbzUxTEF1WGcwNmkxNEZINWp6LW0zNlhaei1IWkN2VGVVeTdxaTFTUnRLSHJ6MlVkS2kyR0szUzRWQ0JTaWM5eXB1SkhKSjlEZ2JHbkZ6V0VuNFVpRUlBVmxlTTFxN1hVbnMzc0RNOA?oc=5) · Crestview News Bulletin
- 2026-08-17 [Former Credit Union Manager Faces Sentencing for $185,000 Theft - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxNTzM0Y2l3WnFRaklqMkZlTU1YdDljdkNlZ1RQWUt3c0dVYmpydENMUHl6M2I1SkxSeTU3N2tZVS1VLTRMZmVhR2dLaUg5bnVUWTc2QkhXQ0RRQVVWQ1NZZTBwVzRqc1JmdlFEQmJNaXBlMmNJUkpJb2VvZlI3TnpTOVc3ZUhMb1B5X1VUbXNUNV9icE5mTGI4R3Rhcmxtdw?oc=5) · CUTimes
- 2026-02-13 [Gretna bank employee caught with $150K stolen cash in ice chest, authorities say - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2017-12-07 [Kim Rivero Obituary - Metairie, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE82NDlrRzRwc0pqTG5kYnRabjJUNkN2VVlmU05PaUw3ZTBHM3VFZklvQnIya3puUVhlZGdSV0tBTTlqNTYxWFp2dXpzcm42bmtoREgtbWE4QzNWZGh5RTB0YzZwUm9kVTZrSG9QUXZLUXJfYUtTYjJXZDlRZC1KZw?oc=5) · Dignity Memorial
- 2021-10-06 [Marion Dauphin Obituary (1932 - 2016) - Covington, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxORkp4YXpPWWcyOVJzV0hhWVFYUUNpNHdDaHBYT0dKNXU4S1pxLS04ZnFFTi1wZWY5bFZxRDFoQTZqdXF4Tmw3TWNiZDRpdVhxWWp5cDRBallzcWJHcktydzBvRUh1aTZQVkNzb1VRUzJLMkZVVWRseEltY202SU54blpFbkp0ZzF1?oc=5) · legacy.com
- 2021-07-28 [Jeannette Lynch Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNEVYdTZwN3lKVktMYTlCVnppZ1ZOX2pINGRtalN4Y1Z6dFlQUGdvN3lQTHBHMWNCWl80Wlk5aVQwQU1HZldUM0xMeUd2YkhhLWNvaFozYkw0MlREY3hyXzBINGlqMjVCdVV2RkJLcGR4ajg3bVlWNmZzRDlEZ0N3MVdjb3Z6ekpJVHc?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24860 (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/28.json (key "24860", 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=24860
- 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