# RIVER VALLEY
Brattleboro, VT · NCUA charter 64365 · asset band $100-200M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/river-valley-64365

Who the members are: state charter, organized 1946. 18,714 members of 45,000 potential (41.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $154.9M |
| Members | 18,714 (1.5% YoY) |
| Full-time staff | 59 |
| Net worth | $11.8M |
| Net worth ratio | 7.6% (p8 of band) |
| ROA (annualized) | 0.41% (p49 of band) |
| Total delinquency | 0.89% (p81 of band) |
| Net charge-offs (annualized) | 0.63% (p85 of band) |
| Loans / shares | 78% (p76 of band) |
| Cash / assets | 24.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p94 of band) |
| Operating expense / assets | 4.24% (p84 of band) |
| Vehicles % of loans | 19% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 84% (p65 of band) |
| Vehicle delinquency | 1.16% (p90 of band) |
| Vehicle NCO | 1.23% (p91 of band) |
| Repossessed % of vehicle book | 0.23% (p93 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 9% |
| Average share balance | $4,163 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $15,154 |
| Loans granted, annualized | $33.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | delinquency 2x band |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | net worth falling | loans>95% of shares |
| 2017-06 | 5 | repo signal, loans>95% of shares, 3rd-party paper>100% NW | net worth falling |
| 2017-09 | 5 | leaning on borrowings | repo signal |
| 2017-12 | 5 |  |  |
| 2018-03 | 6 | delinquency 2x band, delinquency rising | leaning on borrowings |
| 2018-06 | 6 |  |  |
| 2018-09 | 5 |  | delinquency rising |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 | leaning on borrowings | delinquency 2x band |
| 2019-12 | 4 | delinquency 2x band | thin capital, leaning on borrowings |
| 2020-03 | 4 | thin capital, margin squeeze | loans>95% of shares, 3rd-party paper>100% NW |
| 2020-06 | 3 | net worth falling | expense trap, delinquency 2x band |
| 2020-09 | 4 | delinquency 2x band |  |

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

- 2020-08-03 [River Valley Credit Union opens Bellows Falls location - vermontjournal.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWUlJX0VhbEItSk4tT1BjRFVkQnh1LUotNUFVcHR6VnlkMmtmdUdpMzAwTEt4VElxd3YydTE0MS1DdmFKTTlST1ZDS1Jzc19VazhiQ1Q3MTlIdTZ5ME1rOHZBMkZrSWhFankycVY3WVAyM2hjbE1JUkdUUDNYMnVCUWRmeVYyUUZmZUlsUDMzc3V1N0ViaXc?oc=5) · vermontjournal.com
- 2024-06-20 [WRVU Graduates Did it Their Way - The White River Valley Herald](https://news.google.com/rss/articles/CBMidkFVX3lxTE5tcmVhZ3VuTXQxRnVDbktKb1h6NjIyZjNseGVvSml2NjkwSWVVZV8yTzJOb29ic0p4N3RmZ3BVLTFNc3JITmhhTTBtenNyckQ1dU9MbnBZcDZueU5scUpsUmRtY08tRkNtbVhmY1RwZG0wSVJoOVE?oc=5) · The White River Valley Herald
- 2025-07-31 [WBRW “The Bear” set to return as radio home for Virginia Tech Athletics - Virginia Tech Athletics](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZjR1cF80bEw0VmJnRGdJTU83ekRGNFdETlRmZ0RFcm1DVGlvNFhpNlcxbTkyNGxOMFB1SFBpREZ2MEQzZzZaMzhVOVBSWU4xRV9sYkNZSE5Ral9IM2dTN1NieU1QOGt5ZjhmMXhLS3pjS0t1M0hCUmpBckpYVGtWUzFFZUt3OWkyUlIxNE5UeW1DelI5M3lDWElPNERLcVNXdWxlWFBXODAzeEtWUnc?oc=5) · Virginia Tech Athletics
- 2024-02-23 [Everett Clarence Bettis - burlingtonfreepress.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9DZ2l1R0FYbmRQd2tuUUpkeVlRa3I1T2RPTjc3ZG05WEI1bVdfUEh5dFkxV093STdsdUxzRi1aeFlvZmtpREtNQ3NrQUNoRHgxOGcwWjNZZ2NIZnN6YVZBR21pcm9KTXhlWVE?oc=5) · burlingtonfreepress.com
- 2022-04-24 [Anthony Doleszny Obituary (2011) - Brattleboro, VT - Brattleboro Reformer - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaFBZVEpMd3U2RE1Ycjk3bmZ2WEE2QUV5WXdyS3ZVeHFWcmwwMzBiMzJJbFVLUjN4UEpiQWdwUnJVQ2xGMTZjc0tkbHJMaGJrX0FPdXdwb2JkZXFIdUMtd2U4YWdPcEc4M3VxNWJUeDZCNDlLNXlZZ1J4ZWxlQjVaQi1CNXJGSGtLcWpqaXFCZUpSSmgyOUE?oc=5) · legacy.com
- 2016-05-03 [Arlo Mudgett - ride-ct.com](https://news.google.com/rss/articles/CBMiSEFVX3lxTE8zeWUwbXJWT2dtS0xtUVR6Y2FiMENqaFMxUzdncFRCOFQ0bzhBVEVZQThBOElfc2RTREVHUTRWaFRjT2I5UVN1dw?oc=5) · ride-ct.com
- 2022-03-11 [Jeffrey Ruggiero, 1965-2022 - vermontjournal.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE0ybTF6TFZqWk9FRklPU0pFMWc2bmRMemhNWTMwNWZoNWJhNlJRRzVZQWZrVVVHRUFNOF82eFl0RW4tYmRyOGptTFNDQkRTbXV0MXdrTl90aXllNnJNclE3bGZTcTNEZzhWVER1LVEwRXVnRkk?oc=5) · vermontjournal.com
- 2021-12-23 [Richard Harvey - The White River Valley Herald](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9RM0ZJUi1tVVppU3VVZnFLUVhOWkFXV3FCSXlndDJQNnJpY1d2V1NCNDEyTEJoUGpZZTNMS1BMY3JKbG91OGRYNWpkbjU5WEswZ2xHV1RKRk1JX1ZoN0JV?oc=5) · The White River Valley Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64365 (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/45.json (key "64365", 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=64365
- 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