# RIVER REGION
Jefferson City, MO · NCUA charter 64283 · asset band $500M-1B · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/river-region-64283

Who the members are: state charter, organized 1954, low-income designated. 30,312 members of 400,000 potential (7.6% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $500.7M |
| Members | 30,312 (7.0% YoY) |
| Full-time staff | 79 |
| Net worth | $43.9M |
| Net worth ratio | 8.8% (p16 of band) |
| ROA (annualized) | 0.93% (p72 of band) |
| Total delinquency | 0.55% (p50 of band) |
| Net charge-offs (annualized) | 0.33% (p58 of band) |
| Loans / shares | 89% (p55 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 1.67% |
| Net interest margin | 3.05% (p49 of band) |
| Operating expense / assets | 2.99% (p32 of band) |
| Vehicles % of loans | 47% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 286% (p81 of band) |
| Vehicle delinquency | 0.64% (p55 of band) |
| Vehicle NCO | 0.46% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p19 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 54% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 45% |
| Average share balance | $7,297 |
| Participations bought / yr | $2.7M |
| Participations sold / yr | $3.2M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $16,514 |
| Loans granted, annualized | $170.3M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 3 | loans>95% of shares | net worth falling |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 1 |  | auto monoline |
| 2019-06 | 3 | net worth falling, auto monoline |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | auto monoline |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |

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

- 2026-03-25 [Construction moving along on Southwest Boulevard Multipli Credit Union - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxOckVBYVg0XzVYMXNQZW4yLURPMkl5MWxFT1hERERRSjJNX05LY05qbWVNc2lWTFVjQ3puM1dBdkF3bjM3MDh4blBLRGhKZnlQTDhTVVVrTDVBUHA5X0NIeXlxTlNrNWFodWo2cFVaQU5XOTJqMk5GNFhnaEpyblJldjM0SFpKN1lUN0JBcWV5ODZSa285Q2ljOUp3?oc=5) · Jefferson City News Tribune
- 2025-05-27 [River Region and Missouri Credit Unions debut new merged name: Multipli Credit Union - KOMU 8](https://news.google.com/rss/articles/CBMihgJBVV95cUxPcUhTT19qeXBPUm9kdTVxNFlDVlN1U2U1TWQ0UUpvYUl4RHlzX25vSGszR0ppTGh6MlpjOU1oVEd5Vy1DRlRWY2ZieUZwc05xMURlYXNGV1k5dUV2VWVBTnhMMERRc3VjVEtGUkJNQWVTQms4bURYV05wN3dsZ2VuNUt1RGxDby1MNjF2bkxKd3VVeTBmcTBPd21TcXN1VmV1bmpPLXgtQm95OWVFQjdzd19DR0VpbFowVzhzVlg0UEFoVmJqdnN0VWdhbkF3MVQyUjNaclVoNEVLMnZwZzdyY014YkFZVzRMSHpLQjNsYkk5ZnozbDUwQjRma3FoX0Vmb2lzNjZ3?oc=5) · KOMU 8
- 2024-11-08 [River Region Credit Union eyes growth after merger with Multipli - Springfield Business Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNWdZSjhod3EtbTdvdFIzU241eTRLSGx1N25laGR1cjN3aE81RTRRTTFRVnc5Tl9oZ1MxU3VfalNadUhQbnJaQTlCTzFURlBKR0JWcnNic2hkMjBvR2MtZlBuWG80VXhIWmNRWjR1RUNBb25kb2pLVElTa3ZYQklYQWhwYURGQ0VycG9IckFjSU9idTZ2NHMxSXJn?oc=5) · Springfield Business Journal
- 2026-02-04 [Multipli Credit Union’s new building to be completed by early fall - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZjBWVXI4aGZIeDh0TEJfNkFYR0kxVVlwZXhpelFvMFNpdEJSTjBXX2xuZ1BxTXRIaG5zeW54djVNLXloTldNMDhONm9oSkZKSUhROVdDWEktWTFWZldMRXFkUzVqVjVjckNmZUlNT1BDT1ZFdFBNOHk2ekJBZG5uWVZpTE14RzAtdHFrbTZRSjM?oc=5) · Jefferson City News Tribune
- 2025-04-02 [Missouri Credit Union members approve acquisition by River Region - KOMU 8](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNNzRkMm9GbDcxelJ0YTlYZHl6c2xEdHFqbS1DcTBraG9NMFJkUzN5dlJ6NXZoOGR4V2k5VlNQUWNsZl9nRjhQNTh3b2x3SUtwRkxHZmVqQmZuOHdCVDB0YUJiQmZCU0FoX1FOam1ELVVQU1BCa01mRjM3TE1rNl9acFpsMGw2Q202WDh6dmNoczVFRl85T0MwcFhsaW9ndnNXV2RYWVhsbWp2ZGNBMllSMVJKdlY1WmZoSUVsUXRTRl9DaHE5ZG9kMjFaMHhRSUVIWXI2Yjk1WnNnVlpsVHFySk51bEduYWRoODRTLXdR?oc=5) · KOMU 8
- 2025-02-06 [Missouri Credit Union to merge with River Region Credit Union - ABC17NEWS](https://news.google.com/rss/articles/CBMitgFBVV95cUxObUVvbzQ3TW0wMmlUZUtrLVBqaWFnaFU4UW84VTV6eEtsaDVhMWg1ZkpNU2xGeU5VbHh4TExvb0FFZXpKV2tzLWlsTG1OZXpPNTVTQ2NVVGQyUjBIdTJhd253NHpXNldPV3VUYmQ2am9jM0NRZnFQSVgtS2ZFc2QyTkMyRTM0WGlsS3RXS3pRNExaN0FtaG5YUGNqRW1YRlRBcWtobGpPRU5nVG1IY3BqdGY0SnNUdw?oc=5) · ABC17NEWS
- 2025-05-28 [Multipli selected as name for combined credit union entity - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUWtpM2JHMDI1aEc4ZkhaVHVVTFJmZ2pNblE3aHpTRVJiaTRxdy1WWmZITklzS01DQlF4SjBsVXNtNzA5bjdvTlBjbWhlMU1qQ0x4amdZOE5CUHdMU1lNV2F6MTZmb2M2ZE1tZUNnR0RpeXBxSVJabUNBMVB5cG1SaGJ5QWIzTWQ2UnV1MWpxOEFadw?oc=5) · Springfield Business Journal
- 2025-04-11 [River Region Credit Union, Missouri Credit Union legally merge - ABC17NEWS](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZGthUFVmVWp2em5RVnQ2ZTNHNFdXbS1fX1RSdFFtNnFPU3ZEXzNCM3c0TVVjSzZIaGVLS0FENVdkT0tMMG0zcG9kZ3d3bFhnSU16UGtaUmtuSXRWM3NrTnFBVUVKYTF6S3JGRk96MTBpSGdTWDZYb0hfWWNqbkhFXzhNUjNMLUczUW1RZHFYWkZiM2JRalNBaWN5WVhreVA0SmNoN2RZbVowYXNPMkE?oc=5) · ABC17NEWS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64283 (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/27.json (key "64283", 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=64283
- 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