# ALABAMA RIVER
MONROEVILLE, AL · NCUA charter 65402 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/alabama-river-65402

Who the members are: state charter, organized 1980, low-income designated. 1,703 members of 100,000 potential (1.7% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.7M |
| Members | 1,703 (-4.2% YoY) |
| Full-time staff | 6 |
| Net worth | $2.3M |
| Net worth ratio | 10.0% (p17 of band) |
| ROA (annualized) | 0.20% (p28 of band) |
| Total delinquency | 1.37% (p67 of band) |
| Net charge-offs (annualized) | 0.53% (p73 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 30.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.66% (p12 of band) |
| Operating expense / assets | 3.53% (p50 of band) |
| Vehicles % of loans | 80% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.02% (p64 of band) |
| Vehicle NCO | 0.12% (p60 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 | 53% |
| Certificates % of member funds | 15% |
| Average share balance | $6,182 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $4,532 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **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 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 2 |  | delinquency 2x band |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 3 | charge-offs p90, assets shrinking |  |
| 2018-06 | 1 |  | charge-offs p90, assets shrinking |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | assets shrinking |  |
| 2020-06 | 4 | net worth falling, losing money, margin squeeze | delinquency 2x band, assets shrinking |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | thin capital, net worth falling, losing money |  |
| 2022-06 | 5 |  | delinquency 2x band |
| 2022-09 | 1 |  | delinquency rising, thin capital, net worth falling, losing money |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | members leaving |  |
| 2024-03 | 2 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2024-06 | 3 | loan book shrinking |  |
| 2024-09 | 3 | delinquency 2x band | loan book shrinking |
| 2024-12 | 4 | loan book shrinking |  |
| 2025-03 | 5 | delinquency rising |  |
| 2025-06 | 5 |  |  |

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

- 2017-09-10 [Irma: What's closed - Montgomery Advertiser](https://news.google.com/rss/articles/CBMirgFBVV95cUxPY2taOE5FbHd5WTRtZWUwdU12MjBUZVE1eGlXUlNJWVItb1VJcTV0ckdUQWlObVhBOENGUHV3WHdEejFUeU5ya0tPM1dlcjQ0dzZGbU84QTMzRnV3T2xlSXYzZEZRbGt1c3ZyX292M2tFclV2WTQ4U2U3M1c0UGEzM1JMSXNaaFNwb3JMa2REYXlCLUZ5WUxVWmhtNk5tc0JxWm96SjJielZHYjRQM1E?oc=5) · Montgomery Advertiser
- 2023-08-31 [River Bank & Trust has big plans for Birmingham market - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQclV0UTlBOTJ3dkM3MUd2MTk2cnBrX3h6TDBwOHpSbzhPcGhsZUphSGNobFZSVmZrbjlXSG1aUVlGRWNtRVFhT084RHhfWnpCdEZ2N3ZPZHIwYW13aC1oSUZEclRfUi1aRjF6OTN5bUdlNHc0UVZCQjNYVnViSHA4b2NySGthRjlGekZiS3BSRU9lRE5XcnJuY2IzX2gyYUU?oc=5) · The Business Journals
- 2026-08-25 [Great Alabama 650 paddle race set for October - Gulf Coast Media](https://news.google.com/rss/articles/CBMikAFBVV95cUxOT2FacjdFUWpKc0lLcUxSaTE5dGVYeXRCTzFfYngtUG9WaUxucFhCTjVGN29jZ1BNM3UtbzMwcTRxUGFfSEx1RC0yWFRSRnVCUlQyNUhNZHhJbUFLSjBKMzJXdGUxeG0xaG80aEM0amFpal9QS0NleGo1ODgxLWF4ajlqSGdYSnJBOGJ1WWl0UWY?oc=5) · Gulf Coast Media
- 2024-12-06 [Holiday tour of decorated homes is today; here are the Whorton Bend homes on display - gadsdentimes.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOc1NPalFiYTFmZEpvWHNGZjVtTlZJWmtpcGhpS2N0WFJiM3F3RzZEa2NfWDVUdHJwMnpsMkdGWE14Y0dvYktSclZSMjF6TGlPWnBpZ0pMM1FoQnEyeWpGeWRzVFd6bXlmZ2JxZVVGdnZELVFLRDNVbzMxOEtleXlpOXFEMEo4TWhyVnhubVdrXzJzVUtkbDF6NGlva0twUW1jVmhSaWVTZEJZSlB1clJ6dWUtT0U3NzRpbU1vT0xROWdrd2g5Z3dybEdHMnZoRjduUUNrZmNzX05INDd2dVdNUmg0ZjNkbmF0OHNBcXJENlpHdTQ?oc=5) · gadsdentimes.com
- 2017-03-16 [Henry Brick Company wins chili cookoff - The Selma Times-Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxOR2sxSzVfRWZTdzNDVlplcVE5aVoxbUgybW5xaUU4V2pVbWl4WEstOWE5T0JoaGNfeUxJMzNpV1c1SlNqbUpqUXNwdXB5VGRmUW90TTZQcDBMVFlyS2Uza25scG9vLVFRaV94cHFNaFdoY2hpVXFGYUFfZWs3alVpcjY5VVRPVXBfazlnSg?oc=5) · The Selma Times-Journal
- 2025-01-10 [Obituaries, week of January 15, 2025 - Atmore News](https://news.google.com/rss/articles/CBMieEFVX3lxTE42a0RiTzNxYU40UWZkczFqRHdWdDZxcGN4cXdaTWYyYTZ0TXV0OVZoS0FKZmREbFJQc04tVUsxc1NKVHI0WTdfa0RadGxTajdLMk5aSDVLbFVFOTY4M2U1WmJKZGxFSDF0TGxnc1lwOVJaaER1S1BWSg?oc=5) · Atmore News
- 2013-05-30 [Family, friends, witnesses discuss south Huntsville wreck that killed 10-year-old Jaden Coppens - AL.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1SeFpYY3p5RmRlb1JjZ1NrY1JUaVgweGc4NU9ockd6TG5IaVpEUmZnUWNqMk1hVlRoZXhQRVVKMUtMYklUM0hvLUJHNVAtckhkSGVPWmdwU0dZZzZZRE04d24tMHl3V1JQd2lmWXNQdGxaMjU0YWlmQXE4UQ?oc=5) · AL.com
- 2026-06-19 [Take a day trip out of Baldwin County: 'Big Fish,' big views and big flavor - Gulf Coast Media](https://news.google.com/rss/articles/CBMiswFBVV95cUxOanE1b09hMUxaQlNibDBzSzZ1UDkxdy11Nm5WNmdiNUIxbXV3Q0hUQUJybzd6ay1GTndBYnc4VFdYOG1BQ2xUbGxSX0lSeFI5cGstSHZYdlNGMDRjS2k0cFFpNmtfaENQSWZzY1dITE1vMlhzUDhrRjR6UzBsUTVUTkFXczJrZklTUTJhdFF6cXE1U1Fna2lwNTFvVVhJdDBoZDlVTWFhNDZ4dm4zTEZKQS1RMA?oc=5) · Gulf Coast Media

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65402 (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/58.json (key "65402", 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=65402
- 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