# RIVERFALL
Tuscaloosa, AL · NCUA charter 60942 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverfall-60942

Who the members are: state charter, organized 1953, low-income designated. 14,300 members of 320,084 potential (4.5% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $196.9M |
| Members | 14,300 (-0.2% YoY) |
| Full-time staff | 38 |
| Net worth | $22.9M |
| Net worth ratio | 11.7% (p50 of band) |
| ROA (annualized) | 0.14% (p15 of band) |
| Total delinquency | 1.08% (p76 of band) |
| Net charge-offs (annualized) | 0.43% (p60 of band) |
| Loans / shares | 50% (p17 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.44% (p4 of band) |
| Operating expense / assets | 3.42% (p41 of band) |
| Vehicles % of loans | 56% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 13% (p43 of band) |
| Vehicle delinquency | 1.25% (p79 of band) |
| Vehicle NCO | 0.68% (p60 of band) |
| Repossessed % of vehicle book | 0.34% (p92 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 40% |
| Average share balance | $6,396 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $14,043 |
| Loans granted, annualized | $29.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | repo signal |
| 2016-12 | 2 | repo signal |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | repo signal |
| 2017-09 | 0 |  | delinquency 2x band |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency 2x band |  |
| 2020-09 | 3 | repo signal |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | delinquency 2x band |
| 2021-06 | 1 | delinquency 2x band | net worth falling, repo signal |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency rising, repo signal |  |
| 2022-06 | 1 |  | delinquency rising, repo signal |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 3 | repo signal, assets shrinking | delinquency rising |
| 2023-03 | 4 | auto monoline |  |
| 2023-06 | 3 |  | auto monoline |
| 2023-09 | 2 |  | repo signal |
| 2023-12 | 2 | repo signal | assets shrinking |
| 2024-03 | 2 | net worth falling, losing money | delinquency 2x band, repo signal |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | losing money |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | delinquency rising, repo signal |  |
| 2025-06 | 2 | delinquency 2x band | net worth falling, delinquency rising |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 2 | net worth falling, delinquency 2x band | repo signal |
| 2026-03 | 1 |  | delinquency 2x band |

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

- 2025-08-21 [45 West Alabamans Chosen for Leadership Tuscaloosa’s Newest Class - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMieEFVX3lxTE1rNVBoVWQ2bV9OWlVYQmhYWDFWRWJ6YVpKZDRQWTVJald1YnVobUtXRE1SM1NHdTN0UUxwWFB5TllIa2Z1MXhXV1ZHdW9IWWoxeEo3TmdUUnl1ajl3TjVtSVhUcVY1ODA3cE5sbEhyWmoyNjUxdU9tTw?oc=5) · Tuscaloosa Thread
- 2025-08-21 [45 Professionals Selected For 2025-26 Class Of Leadership Tuscaloosa - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxPUVBDRzJ2UUdqRF9naWpSMFFYMjhKWVdDREJrbDUwbkZ3MGJ4VEYtOEYwZDJWd2JVMWNSTkFZLWc5RWtBZTlCbEQ5dDZDcGx2RG9fQ2tRZG9KUk5GbHBkZGoyRTV6RXd4NG5veVhybkxtejJJdXdjNXo3c0xJQ0lGbFpPYlVEZVlXbmNBbFB3UlhhR3lGaWpqU1JfR09MUVk?oc=5) · Patch
- 2025-08-25 [Leadership Tuscaloosa has its 2025-26 class of emerging leaders - wvua23.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQTXNVOTVvZmNBdWF1dnpMNDc3a0xFdGZRUjRhZHR0V0FlNkZESnZ2cDNYVXFuTE9EWmh6Rko1MTJ4MzhTM2VyZHFlWVRqY19reEJqMHFNMUx4ejBLSVM5LUw1YnZOd3Z3c0FpNnlyaUI3dE9kUi1DWkpNZEt1Vy1qeXlJdk52c2wzLWlwRWFINXRVQ0gtNE9OdnJpdXJNOWZlVjRwb19QUU9BcGd5cE1USDByc2hBemgyODUtMUcxdmwzSS1nX0pKaEZicEJhTlVZV1JPb2h4d2c?oc=5) · wvua23.com
- 2024-01-04 [Tinsel Trail names winners for best decorated trees in 2023 - The Tuscaloosa News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPOVNrYVZXanNHeHNJQWtuaVVIcmZIZERjY3l3eUYzc2E0SWYzQUhBemY5RjZpR21JVWN5WExGYm5pdmRpWkhqYUFyaXlOQ1FOUjYySDBnVVdCOFN1SXhrallXcnNYcmx6ZjExSkxRcjZ5NnYydk1UdFBzdzRJSGFaVFhBZENlemdSU1pEZEFPeExDZTJnRnZhWWVPNzJXejduSVJqekJaTWJZMl9PbVNNM3ladnBHLVN1b0U2eWI2NEFDNmM?oc=5) · The Tuscaloosa News
- 2025-01-23 [West Alabama Chamber Honors Community Leaders at Annual Dinner - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMib0FVX3lxTE9SMjlmTWR6VW5OVUl0RDgwczZsNTY1V2lFaXd5bFhmTEtLaU9Sc1pFakFhTG5IYnhTWHpWNDVaWkN1Z05jNmNsZnVDMEtFcDVTdGtEODJLRENZd1hYOC1LY3ZqTjhRVkQxMTNVNkhtOA?oc=5) · Tuscaloosa Thread
- 2015-10-06 [Beth Hunt Obituary (2015) - Tuscaloosa, AL - Tuscaloosa News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPajhOTzY4LV90M0ZSS29Sem5wR2dHS1JLMDUxUl8zWVdRdUpXMHlIUGJyQmJmaWFKVFdFVktnbi1vQW9wOF9DWXY4VzhoQ1FGU2N3REQ1N2p2Tk9HT0xTQXBEdVRITVBjaktfNkV1UmhzaDM1MWR0a1FFQUxMQWlxYTg1aTVOU1JpYkE?oc=5) · legacy.com
- 2023-11-28 [Tuscaloosa Tinsel Trail: A Look At Our Favorite Trees - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSXZ2a3VfbFhfd3RJTm83a3g3UTFudDBBN2p6SENOS1dRVFY4V1piZ1hpa0xTdWxZTDNQZk1vUEo3RVpNdnFVdzdGVE9XU25IbFUzY0tGRDdHMXdURTBMcHp6YWgyc21DMl9NRGtQSUFINmJDMGM5eEFsRjkzcjBLWFAzUDdqSHdOWWxsbg?oc=5) · Patch
- 2025-02-03 [Tim Harrison chosen Member of the Year by Chamber of Commerce of West Alabama - The Tuscaloosa News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPWWlmQloyUHJuekNjSzNTZmN3NlRVT0JHeHBDSFhjblprR0lsTDdWZFdLc0FlTkZHd3J3MUxMOG9ic2g3dmtWS1ktakVydFNvNmh0YzJCaUlocWl6MmtiTGRmOXIzalV2SUkyNVFHbGx2bmVacUo1MTdCVExtLTVBaEx3eVVycUxiZkhncC1pOThGQWNiX1pVRnBQdC1KQ2g4c0dER295Y08xTGJZTXRPRWdXQmJIVVB5U0pCVW41cDczVmhHZnQxWEN2Z3dZZ0Vz?oc=5) · The Tuscaloosa News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60942 (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/14.json (key "60942", 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=60942
- 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