# DOWNRIVER COMMUNITY
Ecorse, MI · NCUA charter 4853 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/downriver-community-4853

Who the members are: federal charter, community charter, organized 1942, low-income designated. 12,303 members of 1,930,090 potential (0.6% of the field); checking penetration 80% (share draft accounts per 100 members); loans per 100 members 91.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $193.5M |
| Members | 12,303 (-2.8% YoY) |
| Full-time staff | 40 |
| Net worth | $20.3M |
| Net worth ratio | 10.5% (p33 of band) |
| ROA (annualized) | 0.47% (p34 of band) |
| Total delinquency | 0.62% (p50 of band) |
| Net charge-offs (annualized) | 0.64% (p76 of band) |
| Loans / shares | 39% (p7 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p42 of band) |
| Operating expense / assets | 4.04% (p63 of band) |
| Vehicles % of loans | 50% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 238% (p89 of band) |
| Vehicle delinquency | 0.41% (p39 of band) |
| Vehicle NCO | 1.33% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 8% |
| Average share balance | $6,628 |
| Participations bought / yr | $54.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $31.4M |
| Loans outstanding per 100 members | 91% |
| Loans granted per 100 members, annualized | 91% |
| Average loan balance | $6,405 |
| Loans granted, annualized | $59.9M |

## Participation posture (from the same filings)

Bought $54.1M and sold $0 in the latest annualized quarter; $31.4M outstanding purchased (154.4% of net worth), $0 sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  | members leaving, 3rd-party paper>100% NW |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2018-09 | 0 |  | thin capital, delinquency rising, 3rd-party paper>100% NW |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | 3rd-party paper>100% NW |
| 2020-06 | 3 | thin capital, loan book shrinking |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 | delinquency 2x band | net worth falling |
| 2021-09 | 4 | charge-offs p90 | delinquency 2x band |
| 2021-12 | 1 |  | loan book shrinking, margin squeeze, charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | 3rd-party paper>100% NW |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | 3rd-party paper>100% NW |
| 2023-03 | 5 | delinquency rising, charge-offs p90, 3rd-party paper>100% NW |  |
| 2023-06 | 3 |  | thin capital, delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2024-09 | 2 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2024-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 3 |  | delinquency 2x band |
| 2025-06 | 1 |  | charge-offs p90, delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | charge-offs p90 |  |
| 2026-03 | 1 |  | charge-offs p90 |

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

- 2019-06-24 [Downriver Community Conference Veteran Small Business Program provides targeted help - thenewsherald.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOSmdsWVBMNjRyS0Yxcm4wS241VzQxOE1McXJpZmFlNHNNUUtheGNJcnR4MHdiWnBRRVlzbkZHOW5lUWdFZDhVZXRJV2FFV21BQi1fcVRWZXhJQTh4NldwRTN1ZTl4cVM0eW9MRTlqOUFEZVUtVkpPU3FyYWJFMjQtRFhWb1haQWlKSHZnajJlVDBYZHN3amlqUUUtOFBPczA5ZkNGWGRuSVI1d0Z3bW5SbjdVYU8wVWo5dUREbHN0OUE5U2JJ?oc=5) · thenewsherald.com
- 2017-10-09 [Grow Your Business Conference set for Thursday - Monroe Evening News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSVhhNzVmQlJzbFBleE1VUXo1WFI4ekhTdnd4NlRqRDdxWXJjN1ZjNGk2TEVuR3BLZUN4bU5sZG9UaTE4Q0dzWVRKbC1HUzJKb0pob1FTOVdxclh6NjNMUTZJUXpuR0JKUnl0MGVSRkhWZkEzaUlfZ2NyWFZqT1JSOWdIS0dvTU9kZU1EUDlud2xjdVVqQWloRmdGWTc2dDJG?oc=5) · Monroe Evening News
- 2024-06-27 [Southgate Rotary awards scholarships to Downriver seniors - thenewsherald.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ3FoNjlhdmcxdWVCelo1UFY1d0hHUWFSZEg5ZlV2dEZJcEMyX1JDamRfR1VfZzB0bWU2dTFKcUN1dmFwYVhxYlFQRFczcVMwRkhGdDN0YUkzcjVnNDFHQVZFM0lSRXRCR015elNLNlhZQVFjazhVdHRhbUJYeE42SG9BSGxnOUZhQ2Y2YzR1bFZ0U1dnSFlZX1hpUUlxV0Vr?oc=5) · thenewsherald.com
- 2022-09-02 [Henry Cousineau Obituary (2022) - Riverview, MI - News-Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQWS1WT05fZEotbDNCQWNQSnB5alBrV3Y5SzlVYjZ1UmFSeDZoSWRqckV5UXNnT2pyaHNaVmtDT3QtYm9BWEwteHBBZDRlYXZjVlIxcFl2ZmtZZ2ktN2ZVMkk4ekxHRGx0SVVZeHlVRUNFNUhMZ1k2ZTFPdG42ZGZGY3dyYk95R3JVZ1JBQ2ZjMGRVQmVO?oc=5) · legacy.com
- 2021-07-02 [Chamber to host awards ceremony honoring Downriver women in business leadership - thenewsherald.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPdVBaZ3JOWmtidXZNdDZGcUFOS3BRVEMyNXdmaF9fQi1QQTBMU1U0M0RkV1BNRV9feTdZQXNYYXBYWENwVnhSV3dZU001M3V2TEZFTnR1bnBZSXl6MEZvVHh3ZlJyQ1hvY2o0MkRjbUV1TlRDVmloMDBxT3JQd0MzbFVJT1huWUVNYjZJUHFBai1kbUhMWnBUNE9DLVVvWEd5ZkJ4ZDM1dnNZeVNwOUVLODBEQkxZZl9pOGp3RlpB?oc=5) · thenewsherald.com
- 2026-03-04 [Sales, events and fun things around Downriver - thenewsherald.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUWFlaXV5V3JqUk05MTRGUVpxbjctejhNdEwzM2dzUVhWQlNYSTRsM0htR0NkYlpKamFNbkVuNndDbHo1TGtVRUhFclJJTHhHQUcyVjlQeGtsa1BWWHh3R3RHNE81dUh6OU1oRzh3TkFjTTlyMDBNVzBIa3ZIX2xhU2VCSzI2N1BUOWtVMWl4UQ?oc=5) · thenewsherald.com
- 2018-02-13 [David Lorenz to speak at February Business Forum - thenewsherald.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQ1F5MWFLc3RrRWhJT2luN25RN3Nya09hcTc1TlJINjh2UnQ3cUJXcmZaeC1HUk9DaExfUldlMklGRDg3azhxaEljb21pSk5ZTHRTM2JkbGowMlY3NlpSUEdvWjFDYkhnT2tvY1BacW9DYWhlb3I2aW9YU0kyek9lLXZEeUpuMk0tSEVpbGFwYlIxX1c0?oc=5) · thenewsherald.com
- 2015-09-21 [Ventriloquist, puppets teach Lincoln Park students how to duck bullying - thenewsherald.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPWUdyQTZaWWpTQk9NXzZLZzkwMVhZZHJmOEpYT3o3eU1fS3NHNVM0N1FXakRpc1U3RVVjRWZ4OFl6N2J4VWRrdjI3WExrdGtBeXV2eXBZTl9SbDQ0cEp0cGZwLW1VcVNQQkZkdll1S2dnZy1JRThEdF9lYlNoYjBKaGgwYTU2WjZCSDhRRjh3UUlxNW9VQ1FaYXNOWW5XUlMzc3Z5STdYeWc1Y1hreFZXT0N3?oc=5) · thenewsherald.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4853 (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/53.json (key "4853", 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=4853
- 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