# RIVERFRONT
Wyomissing, PA · NCUA charter 5856 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverfront-5856

Who the members are: federal charter, community charter, organized 1948. 22,500 members of 430,000 potential (5.2% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $324.4M |
| Members | 22,500 (-2.2% YoY) |
| Full-time staff | 51 |
| Net worth | $26.6M |
| Net worth ratio | 8.2% (p4 of band) |
| ROA (annualized) | 0.38% (p26 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.53% (p66 of band) |
| Loans / shares | 79% (p62 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.30% (p33 of band) |
| Operating expense / assets | 3.82% (p55 of band) |
| Vehicles % of loans | 28% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 162% (p73 of band) |
| Vehicle delinquency | 0.31% (p27 of band) |
| Vehicle NCO | 0.15% (p17 of band) |
| Repossessed % of vehicle book | 0.07% (p67 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 79% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 27% |
| Average share balance | $5,257 |
| Participations bought / yr | $5.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.3M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 52% |
| Average loan balance | $16,491 |
| Loans granted, annualized | $94.8M |

## Participation posture (from the same filings)

Bought $5.4M and sold $0 in the latest annualized quarter; $14.3M outstanding purchased (53.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 6 | net worth falling, charge-offs p90 |  |
| 2016-12 | 7 | repo signal |  |
| 2017-03 | 3 |  | losing money, auto monoline, charge-offs p90, repo signal |
| 2017-06 | 3 | members leaving | net worth falling |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | 3rd-party paper>100% NW |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | delinquency rising, net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-08-13 [Samantha Kaag’s path from volunteer to West Reading mayor - Berks Weekly](https://news.google.com/rss/articles/CBMipwFBVV95cUxNR3hxQWRlejlCRU8zX3plbU4yUEFoU2FXRElIM3laWFlyZ0pzM2V3Y0xRNVJVU3dabkN1QXRGZzJSRExuZTlTcEhUX1N5QVg5VzNUV2tmcGRyakRxbWV4MDNSYURxZ1g2ZjMzcUhTT1NVQmptejVWcWo0UTFUb1htZzRJdTlmUl95c1lCNDY3ZEZKZ21HNnNDUkNXdkNjZm44cHNCLVpROA?oc=5) · Berks Weekly
- 2023-10-04 [Riverfront Federal Credit Union launches annual Awareness Makes Cents campaign - Reading Eagle](https://news.google.com/rss/articles/CBMivgFBVV95cUxQcFRJaURIM0EzUkpnLUg5ZjhFZUZSRnRkMF8yenFMbHNTVTUzMllNQkVscnFVWXdTNlZ5NWExSVVDV1pVcXJrNlFodGtvUWRLZ0dJUmY1REp6bXVGcTRrRUFqbVlfYVdsUEJkQTN0aDhFWGNpclNGdVUycWtib2Z0XzdPUTVCZGVlaTM4bE5HMEFwWnh0X0tORDJKUUh1ZUZfUUlaS2JLUEpSR1ZSdjh6aTFxTTBkY0d6RXhZbGlR?oc=5) · Reading Eagle
- 2022-03-19 [Riverfront Federal Credit Union is a Lehigh Valley Top Workplace for 2022 | PHOTOS - The Morning Call](https://news.google.com/rss/articles/CBMitAFBVV95cUxQZ25sY0kxY1F3THBTbU0wRnhwMEVpemJpa1pQdEswWEVOUjdHRlNSX21FdzRoLUlKMEUwSHgwWGduZlQwTzlRR0NVd0x5Y3dJREhTdVpoUHlZWDdiazZzLXhFQmZiU0wtTkhXdWd4cmVsT3B0TlItSTJOd0JoeE93d1gxTkswT0lSV241SF8yWmtvOVZaSVZ0ek9hLUpQWnFfZGFvcFc4bWNtVkVZa09ZQ3BhRGo?oc=5) · The Morning Call
- 2025-03-13 [Gesa Credit Union Secures Naming Rights for Spokane’s Iconic Pavilion - City of Spokane, Washington](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSGptTnVua0RZUzJaRk9POXE5S1Q2b0g0WVRKVkNYNVdwMWdtaUV2cVlOMTVOZW5xdWIyeWQ0a0l5R1R1d1hpT2VRcFRVTk9DUjRmSDhhUEYtYlhleWlsbUN3b2NiQlZ0blJxX0hqWEJqN0dZRm9uTlJ6VnBoREdhV1d1d3lacWo4TmdNUHpCT2NYSUJNcEZ1dWdfcWxjeVhCMjAycVJJV2k2Y3dkTHNuU01JV0lXRDlFeGJYWlF3?oc=5) · City of Spokane, Washington
- 2025-12-11 [Khalid and Lauv Announce Major ‘It’s Always Summer Somewhere’ Tour - That Eric Alper](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNzdUM3BzS0ZWb18yUDlyMThEYXlrMVEzRnpJR1dsVWg2bzgwUlhpX0dlTi1jOWRzZGhTOTNCQ3BBVTlhcmd1U3A2RUc1VnpqNnk1Vmd1Vm1Ud0w2aGZsQUM1eVNLQlhOS2hKamN1dTNVbi1JX0NWbjQ4Q3VSOTdOeERLZ0JPM2x3eU9ZMlB1VElJek1mZlFlRkNoRG14eVBEN3M2Tjh1MU8?oc=5) · That Eric Alper
- 2025-12-10 [The Goo Goo Dolls announce 2026 U.S. tour with Neon Trees - MELODIC Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxPclEzcEtKTWhncDdjcTZsSXotU2g0M05KdkZYR3AwdWxzSWNpQlJZd2hCYXc1VHJZaTlyZXFIb091TFdjTzdocW0xSTRMelRRbS1qbXY5dDhoeV9oZUFQQW5wRGtadkM3dHpXRk5iVFNDZlo1aUhCaWVaTFJnT19TZzVaQ1dsQzZJbHRqMTJ6RVRUTGM?oc=5) · MELODIC Magazine
- 2025-12-08 [Goo Goo Dolls Tap Neon Trees For 2026 Summer Tour - antiMusic](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcU5UOE1WWmpuWTVramVmaUltX19tMk5KRUxNNl9CLVNNeEZQTlMyYUJhQnlIQWoxN3JqNWlhYmJRbXJOcDNiSFVTRS1Dd0UxdU5WRlZ6bGRfMzBmU0RQRThLdzg1ZDRhMDRoaW0tRnNGcjViczhaWk85MlE5YzJzSXRlUy0xaDBlQzNyZTdWMDJWMTBIckE?oc=5) · antiMusic
- 2018-09-21 [The Best Credit Unions to Work For 2018 | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUURLR0hsX0lGRlBabHBJT3F3M2FMUkNwZ0NQN3ZhOUY4NFVmeXpmdlU0LXZ3NHZIQ3ozQ2pSWE5ZcHRRWGhIeVo4ejQtb216OGh1ZndYRDBlLUpxTC1sTmo1eURhQ0h5VV9EM2xqYm5qQnhfNHY4TVlETV9CWlphaXBXRVppakhaRHZQeU5EVXNPdw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5856 (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/32.json (key "5856", 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=5856
- 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