# RIVERSIDE COMMUNITY
Marion, IN · NCUA charter 3775 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverside-community-3775

Who the members are: federal charter, community charter, organized 1940, low-income designated. 5,886 members of 60,000 potential (9.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $58.3M |
| Members | 5,886 (-2.1% YoY) |
| Full-time staff | 17 |
| Net worth | $8.5M |
| Net worth ratio | 14.6% (p67 of band) |
| ROA (annualized) | 1.42% (p83 of band) |
| Total delinquency | 0.73% (p57 of band) |
| Net charge-offs (annualized) | -0.01% (p12 of band) |
| Loans / shares | 96% (p98 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p77 of band) |
| Operating expense / assets | 3.84% (p61 of band) |
| Vehicles % of loans | 52% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 70% (p80 of band) |
| Vehicle delinquency | 0.03% (p12 of band) |
| Vehicle NCO | 0.11% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 117% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 29% |
| Average share balance | $4,801 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $133,818 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $15,011 |
| Loans granted, annualized | $32.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $133,818 outstanding purchased (1.6% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -0.4% year over year.

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | auto monoline |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | members leaving | delinquency rising |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | auto monoline |  |
| 2020-03 | 1 | delinquency rising | auto monoline |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | loans>95% of shares | delinquency rising |
| 2023-03 | 1 | delinquency rising | loans>95% of shares |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 1 |  | loans>95% of shares |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | members leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | loans>95% of shares |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | margin squeeze, delinquency rising |  |

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

- 2026-04-16 [🗞️ Riverside News- April 16, 2026 - The Raincross Gazette](https://news.google.com/rss/articles/CBMib0FVX3lxTFBMd2tqbXRxZGJLdG9Fd1Y0YWpPa3U4dzQtcW5BajhiWjJQSGJrMmlYeXlmb2Mta1lNWng4YW5NVWRjb1FwM1AwdVZPa2gyanB6cnVZVGVZOWZuTUZLYml4bjZQUHZmQkk2SC1ralk4MA?oc=5) · The Raincross Gazette
- 2025-04-16 [Bank mural spotlights UCR - Inside UCR](https://news.google.com/rss/articles/CBMiekFVX3lxTFBMLXNZVnU0Z2R1eU53Um5JS1BFWnoyX0NVNTNGa2dsVV8xencxR2hsT2RmTXBUSkRFQmxURDc4bzcyZWdhOTVZRDMydVlJRXRUWmo5UnlpUkg1dFpTTkVyMUhfREFfTWYza09nek9Nd3JHMUtZaC16Nk5R?oc=5) · Inside UCR
- 2024-07-06 [St. Mary's Credit Union CEO is picked for the same position at Lowell's Jeanne D'Arc - MetroWest Daily News](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOSjJCbkNLMGtNNDUyX3pzVjk0QTg2MTBNSnBxOGdMckhNWjJCZER3czR1U2g5UllJVE5zU01aXzRkNUVpQmxWWTA1MlpjT2N0S3FMTzRRc2R4TjF1N3h3VklnYUxnWGhFRThEUFVYQzcwN2pjbEZqLXFJMm1KaWNiZVIzN3N0cEY0LUVSY0d3VFdnY3pqMkE1SGFQTllRVXJXQTQ2NVM1S2Exc0JQVGNvMmZfZTJpQmJScXFXTFRjaWRwTXdnMDJnT2pla3VFMFkyWndIS0o2TW1WWnhDaUtqOTNac3I0V2hHTlo2blZTcUY1WXE4Snp6cUY5RQ?oc=5) · MetroWest Daily News
- 2024-06-12 [Steven Finnegan Obituary - Bourbonnais, IL, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRnF1VmdHeThhTnAtUGYxdzcwUXpHS1Bwd2ZKOFBkZnF0ckkzTnhjSWRTUG1zRS1fYlhFVHlLc28wT2RVNXB0UGUzWmtldVhzd1huTlVIUWZNQzZiLXprYTNNSDFnSWNKQ204RGV2Um1OaUxDZE5VUDVjRXZxWXk1SFh3?oc=5) · Chicago Tribune
- 2012-06-22 [BANKING: Navy Federal adds a fifth Riverside branch - pressenterprise.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTnVWcXlfN3lnWDg1dVM2ckl1TWl1QlBNRlpKSjBJWmc3cjdmTldNZXlrZDROcHZyQjFPUkQ4SGYxcGZMaGVBMnVsaFVGYmx3ak9CNWxCd1dxVlN0SUdTTVoyT0w4OFV1Mko3UWttb3E2QWdLemhqZWQxMUhnc0pRZ3NxcWp3ZTlVUHZGN1c2SzJQWTZMdUVmdm1R?oc=5) · pressenterprise.com
- 2022-07-08 [Gregory Underwood Obituary - Hemet, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdmxkT1A0LVFicndJQlVsLWhaOVdqazd2NkVuNzJZZ2tDT2tYSEY1cy04UVlvWnRQWEFadHBOdXN1cG5rbDMxbFVuQ0dEaHZtWTBMRmcxTW1jU1B3c3JraEhvY3dDVzcySUxsbERrb2VFQk5ZZGYyb2Z0XzVLbUp0UkphWUc?oc=5) · Dignity Memorial
- 2026-04-24 [🗞️ Riverside News- April 24, 2026 - The Raincross Gazette](https://news.google.com/rss/articles/CBMickFVX3lxTFBPVWhkTVJjeTBqSFkzM01vb1NHR09FaWxPNVlUeWV6R2NuSjF5dy1CY3d1NVBRN2Y5eXQxd19yeUtDVHBfcENTQUszUXhsVUNhQmNnRUQtd3NaMmw4LW5wN3BXWDhBd0RPRUJtcmM3enpTUQ?oc=5) · The Raincross Gazette
- 2026-04-23 [🗞️ Riverside News- April 23, 2026 - The Raincross Gazette](https://news.google.com/rss/articles/CBMib0FVX3lxTE83YkI5M1ZNWGNzQjFwLWhudEVmWUhDMjcwdk5ZUEpHekp5cTcwaTJXZzk4bW4wTUY3Mmw5a2FRUEFsd0FfYUtvOVRnZFVkeVRiODRKR3FaQ29NNlIwVldQb0dMTi15dGx1UjlmYk4xUQ?oc=5) · The Raincross Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3775 (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/63.json (key "3775", 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=3775
- 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