# RIVERVIEW
Belpre, OH · NCUA charter 24904 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverview-24904

Who the members are: federal charter, community charter, organized 1968, low-income designated. 7,544 members of 233,019 potential (3.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $115.1M |
| Members | 7,544 (3.3% YoY) |
| Full-time staff | 28 |
| Net worth | $10.1M |
| Net worth ratio | 8.8% (p12 of band) |
| ROA (annualized) | 1.06% (p71 of band) |
| Total delinquency | 1.69% (p90 of band) |
| Net charge-offs (annualized) | 0.16% (p28 of band) |
| Loans / shares | 71% (p54 of band) |
| Cash / assets | 23.0% |
| Borrowings / assets | 1.70% |
| Net interest margin | 3.01% (p15 of band) |
| Operating expense / assets | 3.83% (p58 of band) |
| Vehicles % of loans | 30% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 38% (p53 of band) |
| Vehicle delinquency | 0.34% (p33 of band) |
| Vehicle NCO | 0.42% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 35% |
| Average share balance | $7,651 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.7M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $24,775 |
| Loans granted, annualized | $19.8M |

## Participation posture (from the same filings)

Bought $4.0M and sold $0 in the latest annualized quarter; $6.7M outstanding purchased (66.1% of net worth), $1.1M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 10.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-06 | 1 | leaning on borrowings |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-03 | 5 | losing money |  |
| 2020-06 | 5 | margin squeeze | delinquency rising |
| 2020-09 | 5 | delinquency rising | margin squeeze |
| 2020-12 | 5 | margin squeeze | delinquency rising |
| 2021-03 | 4 | 3rd-party paper>100% NW | delinquency 2x band, margin squeeze |
| 2021-06 | 4 | loans>95% of shares | losing money |
| 2021-09 | 3 | delinquency 2x band | net worth falling, loans>95% of shares |
| 2021-12 | 4 | delinquency rising, repo signal | 3rd-party paper>100% NW |
| 2022-03 | 4 | 3rd-party paper>100% NW | repo signal |
| 2022-06 | 5 | loans>95% of shares |  |
| 2022-09 | 5 | charge-offs p90 | delinquency rising |
| 2022-12 | 7 | thin capital, net worth falling, losing money | delinquency 2x band |
| 2023-03 | 7 | repo signal | losing money |
| 2023-06 | 4 | losing money | loans>95% of shares, thin capital, net worth falling, repo signal |
| 2023-09 | 6 | thin capital, members leaving, loans>95% of shares | charge-offs p90 |
| 2023-12 | 3 | delinquency rising | 3rd-party paper>100% NW, losing money, members leaving, loans>95% of shares |
| 2024-03 | 6 | charge-offs p90, assets shrinking, 3rd-party paper>100% NW |  |
| 2024-06 | 5 | delinquency 2x band | charge-offs p90, 3rd-party paper>100% NW |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 5 | net worth falling |  |
| 2025-03 | 2 |  | delinquency rising, delinquency 2x band, net worth falling |
| 2025-06 | 1 |  | thin capital |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | thin capital | leaning on borrowings |
| 2026-03 | 3 | delinquency 2x band, delinquency rising |  |

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

- 2026-02-26 [Clarence Bailey Obituary (2026) - Erwin, TN - Johnson City Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQkxFa19UQXVMZ21LQVNfY3BoMUY2TXZ5OW91Ym80VU5NUF9KM2I0TkwwZEdRTG9VNXNHREhKWVp6WjBtQVJtMUk2ME9WcktyeHRCY3lRcExaN21Ed01EdldYWmpEUldQNWpja1VZT3pzZklVek94b3YxVTdmWDBXSGg0YkZ6QUJscTZtVmlGTGdLalJSYW5yWGtuYXpLQ0plR0QxZmZSN1ZzQVk?oc=5) · Johnson City Press
- 2020-08-26 [Riverview Credit Union outlines CEO succession plan - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxPaHRLMXdfVWF5SUpyRlpaOHRTQ3NXWWdoTGhCRDhiZmdWTVl5Ti1helJtUjRhQ2FoMnc3ZURNUU9Rb0hQdm5sR3B2TGN0SG0zRkRTWlNLbWtfZzUzZnp0bV9ESlNsclBDdENHVXlKWnJHT3M0X1E1WHBwSVdoQ09DSDRLNkx4X1pxRERHUTlIQTVQUW9UYWtuRzBrWHRYN0hyc3c?oc=5) · American Banker
- 2021-10-29 [Taking Paws: Credit unions join forces for pet adoption event in Parkersburg - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMizAFBVV95cUxQYl85WlFHVkdPb2tRV2xxaVNtV2M2ZU1WSmp1UDNnN0lCbkxDUjFXaHQwWjg2bndrYjc4X1FsLVdCMmM3LWFfSHhTeGVKTHRhOXpuVjg0OHAtUjJBUW1aVkxDRkRrdlJLS3FwWllUVF9HNWttSzJWSXEySXJxWEZ6OEwzekxpSUtiWXJSUXZfMGF3cy1QYTFrMVltMFlVRnNnMFFoUFZiSG51TmtNaVhVUU40eFFVSm1zNDItc3czYlA5OGZ1M1pVWjhoSGg?oc=5) · The Parkersburg News and Sentinel
- 2017-10-27 [GrooveCar brings on 25 new credit union partners in Q3 - Auto Remarketing](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1hHdERaTnQzbDZKbEVObEJXb3BzTXZIQXdxajFVQXJSeVBtTmFjc2RNV2NzR0E5eVZkQklJZ3RQYTBvRGFaLVpXR0k0M19SSkR1MEtYdEx0SGVIN2tMeXZnZzhfMXdtLW5fTGxOeUNLYjZUdzNNYlJLTUU5QUk4WmxQbVZpUnNIQ0R1eFJXMHB3SFFi?oc=5) · Auto Remarketing
- 2023-11-17 [Obituary: Marks, William Layne - WTAP](https://news.google.com/rss/articles/CBMibkFVX3lxTE5NVzMxOWtYaEg5YXl5ZUs3UGxWd2ltVTdRa1BBdWo4SlBmUVcwZC1kZmhMMUItX2hLelNWSW05RUU2Z2RVOWhqbHE5R1U1SllyV1RNQzgyaU1RMUJpTzdLVEFlSFFlS2M2bTMtV2tR0gGCAUFVX3lxTE5lZFMxZ08yZWRJWWJTRVRTWk10M0tORThPeUNjdTJlakJkZHdlakVqZi1KZkdOMmo2NFZTMms0T19SNFBMSjhjV2NDWjFjMkktRHNWbFBmdXhoek9VZ1pDSUpXTExUSVlLSWViRF9YdzVDVFk3dGxybmhFeGdoZ2dzRmc?oc=5) · WTAP
- 2022-07-20 [Joshawah Paul Haught Obituary Jul 18, 2022 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1xa2prRXFmU3FoUzRWUGkxM3NPaGNUaHBnQVRveExEcENoVDVkTXc1X2JrY2IyeU5JZDlFT0JNc08tUmUwd1l5ZEhQdnowWUtCbjdvckJ5eGJ3Y3hGOHNKR2djTnlKQTEtYkpSLWRB?oc=5) · robertsfuneralhome.com
- 2019-10-03 [Recruiting new lenders: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxQcDNJYlVLNFA1MXJWTEY5blF1eWtuSTVlNjltb3BYNzg1M3dSVEl1LVlqYldmVWtYbzZyWEhfWlp1M1J3VTRkbnBEWnVJU2NCakdaRFBiejJGMmFnSVY4dlo2WUlMeWltc0lGU3p0Y0hYTktxOC1GOUQ2LWtFRDBWd1VzQVlWWklZZDlJNk00d2l6OVBDdlNHSUstN3ZSdw?oc=5) · American Banker
- 2016-09-27 [Frank Haught - - Marietta Times](https://news.google.com/rss/articles/CBMib0FVX3lxTE8xbjd0czJ5V2pXVTVRVVBER1B0bWlYQjdZcXdiSUcyREFnOEEwcU9EZmxkLTI0V3RFVEh3TGdjUGFwcVlkLVQxeENkMW4xdlRhcTZLSGQ1bThMeWVwOHEzdEllN0xaWjFGNzgtdU0xMA?oc=5) · Marietta Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24904 (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/8.json (key "24904", 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=24904
- 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