# RIVER COMMUNITY
Ottumwa, IA · NCUA charter 64986 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-community-64986

Who the members are: state charter, organized 1928, low-income designated. 3,669 members of 119,530 potential (3.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 44.

**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 | $30.4M |
| Members | 3,669 (1.2% YoY) |
| Full-time staff | 6 |
| Net worth | $4.7M |
| Net worth ratio | 15.4% (p54 of band) |
| ROA (annualized) | 1.23% (p78 of band) |
| Total delinquency | 0.16% (p29 of band) |
| Net charge-offs (annualized) | 0.06% (p56 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 29.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p43 of band) |
| Operating expense / assets | 3.35% (p42 of band) |
| Vehicles % of loans | 68% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.20% (p40 of band) |
| Vehicle NCO | 0.13% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 33% |
| Average share balance | $4,320 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.6M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $12,828 |
| Loans granted, annualized | $11.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.6M outstanding purchased (34.2% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -2.1% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 | loans>95% of shares | auto monoline, delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 3 | net worth falling, members leaving | loans>95% of shares |
| 2019-03 | 2 | loans>95% of shares | delinquency rising, net worth falling |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising | members leaving |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 3 | margin squeeze, auto monoline | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 3 | net worth falling | margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | loans>95% of shares |  |
| 2022-06 | 4 | net worth falling, members leaving |  |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 3 | net worth falling, delinquency rising | members leaving |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 2 | members leaving | delinquency rising |
| 2024-03 | 1 |  | members leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2023-01-24 [Here’s What is Revealed by First 2023 CUToday.info Analysis of CUs Seeking to Merge - cutoday.info](https://news.google.com/rss/articles/CBMivAFBVV95cUxPc3RIOG1BSzFueFFkUTlrbnphX0thdEVjbzIwZXh4TGU1eTVyS3h1eXFHNWxuLWZOYUNvXzQybTZDTkFhaUMwbEpGX2hiNThxTzZlZWl3RFpidzZiTm4xemNMVjl5SFM5enNWXy0wZkhKbXRjclRWNWN6RV95cjJpTHA5TlhZRkJvVDVFajgxZl9kaVVnRzVYanQ2WFNzdXg2Wl9tb3BlNWQxb0VTVFB4Z1pRVkIyMlA1Yk55MQ?oc=5) · cutoday.info
- 2019-05-03 [Community Bank & Trust merges with Lakeland credit union - Ocala StarBanner](https://news.google.com/rss/articles/CBMixgFBVV95cUxQY1JGT0J6Z01sa3NLckdycXVNdXNDQjFLczMySV9pdzF0TUVDNE9pZFVIT1ZPUGgzeThBUmhGOGlWYWpLNGxILWZNcWx5QkRUa181ZjVkM0p5TEhiaFRXQ0M1TjJLbGNFUVVIQWNDTXpnall0QXhLX2tydElDRmxtVVU4R0ExMWh1TUN1R3hQcWE2R25OajJaVTdKVTZ1QWJLOEowYjlZMUNaUmJPWWR4Tl9RSmVZM1NQYjRRMXlMR2N0bTJ3Z2c?oc=5) · Ocala StarBanner
- 2025-07-17 [PenFed Continues Adding Branches in Puerto Rico - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaXNoY19GbWtnbWwyUXdaMnJRaWJ3YmFMcVV1REMtN2x6c012cDljRE5MRlpuMVAwM2JoLXlVUDFESVdNbDNFckV1aFlXWVlyd2R5X2RFdEpqMF9kOFlCeWJ3OEx4MGRBZEJUcjRIRnZCT1JFbEV1c09GdjFBUWtMdzZDUGVXbE5Eenhn?oc=5) · CUTimes
- 2024-06-03 [Dwight (Butch) Jones - Ottumwa Post](https://news.google.com/rss/articles/CBMia0FVX3lxTFBucW5zM3FEMnY3eF9vRVdtNXprRDNleE1VTEJJNGVwQlRJM3d3YlAtMnVQWGEyZk1ZdEFsMERIbDZhRDdBX1RxQzNGSmpBTTFRcGIzRkdXc1VsTld4eWhuSW9tMzV2V2dwdjdR?oc=5) · Ottumwa Post
- 2025-11-09 [Schedule - FloHockey](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9vWThDQ19fYnVac3lFbS1uTnYtS0tqd1I5Zk1ZUm5JUHgtdXdCbTl0NVRiaVQ0Ri1mWTBUeFlmcVZYelFxTHhYVWdRM1JxMC1WVlg5OTZVTGhQT1k?oc=5) · FloHockey
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2022-02-10 [Jersey Senior Basketball/Tennis Player Kate Jones Is A Quality Chrysler Dodge Jeep Ram Female Athlete of Month - RiverBender.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOMGVkMFZiSFZORE9hYTFSSWFWc0NJZ1l2amZ4YTcxN3JTVnNPLUJRbnNEUS0zX0lWUzU1SXVQcGRmZmhlVGFNNlRrU0h6ODYyUGVlQmJGMEp0VTRPX3NjVEg2akd1VFhILTlBSl9mSlRPUzR6UGdCZlFNY1FNZy1vQWZpdkZDMWNGb2g5bjQzOUQ3a2VKdzJpUDhnR2tFSU1PcUR0MEo5N3J0TXRQQUlLRzQzNDh5a01TdEV4QzVkdzdETHp6TnA1aGszbU1heHl2UFRQam1zX3BjU1VvSTk0YjBRR0hDT1BaUkFXMVlseDRBUQ?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64986 (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/26.json (key "64986", 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=64986
- 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