# RIVER TO RIVER
Vienna, IL · NCUA charter 61152 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-to-river-61152

Who the members are: state charter, organized 1972. 2,443 members of 60,684 potential (4.0% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. 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 | $29.2M |
| Members | 2,443 (2.1% YoY) |
| Full-time staff | 5 |
| Net worth | $4.2M |
| Net worth ratio | 14.4% (p47 of band) |
| ROA (annualized) | 2.39% (p96 of band) |
| Total delinquency | 0.26% (p34 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 61% (p54 of band) |
| Cash / assets | 44.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p79 of band) |
| Operating expense / assets | 2.81% (p27 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.27% (p42 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $6,045 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $13,059 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | auto monoline |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | net worth falling, delinquency rising |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 | members leaving | thin capital, delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | thin capital |  |
| 2019-06 | 2 |  | thin capital |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 4 | thin capital, net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 5 | net worth falling, delinquency 2x band |  |
| 2021-06 | 3 |  | net worth falling, delinquency 2x band |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | assets shrinking |  |
| 2023-06 | 3 |  | thin capital |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-05 [Murphysboro - IHSA](https://news.google.com/rss/articles/CBMifkFVX3lxTE8wYU45eFRWVTNIYjBLWHNSU05iUDZtcndqWmwtbUMzSnJOa0NSSVV1RXdpZE9UNzE5U2QtSUw3ci1MNWljRHRELTBwcEZ6TFRIQmc0VFphZ09MM0ptZFd4aVZyZkZBSkZDbXZGY2Zwb29ZWVBhd1poeFhKcWFoQQ?oc=5) · IHSA
- 2023-01-12 [Funeral arrangements set for mother killed in Carterville shooting, donations being collected for her children - WPSD Local 6](https://news.google.com/rss/articles/CBMimwJBVV95cUxORHZzdnJ2WFhMODBTVHNOZml2enpWZEdtUndUS1Q2bUtBRVNBcWdMamZPWGF2bm1QZ0Y4R1ltS0Zrak82b1NhZEpESjFKZnpNSkNaTWlISXgzejVrZGVmNDhEcUNNUHhxZU15LTYySU1ib3FzLWZXUnRES2tBZGFRYW54bXc4b3BYUnBhSnlBaWFvRzhIeXA0MFFsb3NtaTZpNnYyQk9tTTAteFc2NFZiVF9URlgwOG5MZ3JSVWN2MU1KaXZhRzFxMFlGRkVQbGphOEdqNDhLZDVnUjlNR1MzLWNBVXhraF94a2UwNk9hMlhHakV2ZTMyNElLRXNaZk1XZTVsNkhNMnJHYmY5cVBvb3ViQ0lhUFFFT3lz?oc=5) · WPSD Local 6
- 2023-01-10 [Pritzker’s big win on Inauguration Day - Politico](https://news.google.com/rss/articles/CBMisgFBVV95cUxPdVNDRnZBaEdmdXEzZGhmc3JlZ09kYWVSVUlMR1E2dWg0c25MQmE3MmdUTkNpLWtxOFp3ZEhhcXNySVJXT040Yy1TWHdYYzgzakwtRnZIT1VFdDVyTmo5YXNEZ1B0RjctdDJEVFFfbFozeWRWNnowTkNEMVRpSXR1dkVVaHJnX0xNcFVNalhXY21uelp2OGZ4Um8yUmx1bm85bkpTSUF2UGtQeWtKTHVIMDBB?oc=5) · Politico
- 2026-09-01 [Carterville - IHSA](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQ0M2cmd2Z0E5aFc1Zl9jYlBIdHljOHFxaHhlZU5ZeWFiekJkVnFkRWNqWVFpU3hINzhJOTBBbjVWT0RRMzFpRUNvNUI3dXNGOWpDdXFzSUxLdU9CUUZwR0JHWUVadTgxM25jYnV6UHg1dk9lcE84QXl2bW9malM4WjM1cw?oc=5) · IHSA
- 2019-03-22 [Looking to get out and volunteer? Consider the annual Confluence Trash Bash - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBQZUpLS3hzTngwVDRXclFLYW43QkpaTHBMbm9fTXk0aTlHRkg2cXJpZFlFQ2ZtOUx1bmxjRnkyV1N1MEFTUkU1Z0RkN0pRLVRfb19qS05RZUp5NzNmb0Q3Q1g2RTIxUFVp0gFoQVVfeXFMT2JTb1hzYnltZWJoM0RfOENMTlo5NDlmSVIwQ0RUOFQxS0xsNHNhbm5lZHNETk9lekQzR0dlaDlxdWYwb1NJbmJBMVJDV21hMG51d1YxNGhlYklFS1RaWWZZaEhWQzZRU0M?oc=5) · Belleville News-Democrat
- 2020-10-12 [These are the names of more than 800 of the Iowans who have died from COVID-19 - The Des Moines Register](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPQ0lFVnlwZUYyeUFVekhKMl8ycmlYcjVxdExsMExDR3N3R2tHM2JPemliaU1hOHFwTEhEOGI1aGI4RXRkaE5EMkMtOUdPVUR5VDhBOGJfYUN6UW5YYjZ0Q2V0bDdvZkpkVzB4eHlMbDYzTFNsN2tmc0lMcFBPeHJFcWo5NlMxcHp4YmlfRWcyN3RiT2ZvckJFeVc3S3lrSS1pMzI4RWlDNUNwUlVjYmJxeWkweXl0V3pldE16ZW9PSm1yUVNveWUteg?oc=5) · The Des Moines Register
- 2019-05-07 [Brendan Dassey, Jeffrey Dahmer among those held at Wisconsin's Columbia Correctional - fdlreporter.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPdDdZUHB6Z2lxNHRZNWlkNEk3MzhCdHBoYm9BSUFpS1poaXFELUNLYS1PeVRyWk4wVDZ2ZmI4ay1mTkQxV05Zc1Y5UzdrdGlQQVdCUnIzOUZuSU83Vy1VbnZZTVJBdG5MeHY1bTF3UEhXSFNOSThsM056M0VHeWxXZ1RkbURJYkd1d0FqNU5UTzR1UlpnaFkzdEMwUXVfRDdpdUllVXF5bkJCQ05tRHdva2JVRVVvTVJJZ0tYZEQ0Y2ItVmNzR3NPZVNtanBhS1l5b2hFREwxVGh1UmFRaGN6aDJKM0dGNWRzRVJPZ25mSWZVOVp4?oc=5) · fdlreporter.com
- 2026-08-29 [Harrisburg - IHSA](https://news.google.com/rss/articles/CBMifkFVX3lxTE5ZS2x4RnpxdVlwSHlmRUxlemVWeC11SGNveXl0Yk5RMUtKZzNxU1VCMy01M1BJQi1qUkdEblU4eGt4Y1RxdURKRTc4dXNBbzNvazhBaTZSZmJTQmxzMEtnRi1QTnJnUjdrVnBSNnRJd0xGXzQwdjN3OGpTcDNEUQ?oc=5) · IHSA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61152 (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 "61152", 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=61152
- 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