# RIVERVIEW
SOUTH SAINT PAU, MN · NCUA charter 65448 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/riverview-65448

Who the members are: state charter, organized 1931. 440 members of 1,000 potential (44.0% of the field); checking penetration 100% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *participation buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.8M |
| Members | 440 (-3.9% YoY) |
| Full-time staff | 2 |
| Net worth | $1.3M |
| Net worth ratio | 16.4% (p59 of band) |
| ROA (annualized) | 0.20% (p32 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 104% (p97 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p62 of band) |
| Operating expense / assets | 4.18% (p64 of band) |
| Vehicles % of loans | 23% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 26% (p92 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 24% |
| Average share balance | $6,821 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $814,738 |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $26,594 |
| Loans granted, annualized | $2.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $814,738 outstanding purchased (63.5% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | members leaving, net worth falling |
| 2017-12 | 2 | delinquency rising, members leaving |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares | delinquency rising |
| 2019-09 | 2 | delinquency rising | loans>95% of shares |
| 2019-12 | 2 | net worth falling | delinquency rising |
| 2020-03 | 2 | margin squeeze | members leaving |
| 2020-06 | 1 |  | net worth falling |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | net worth falling |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | members leaving |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 3 | loans>95% of shares |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | loans>95% of shares |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2022-04-25 [James "Jim" Sylvester Obituary Apr 25, 2022 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE9sVXltZ2JLY0lFZHFJdndQTzlqVlhJdWlnTGlxYkhmMm13S2ZnOWR6M0dOb2xvRU9wOWxXOUU2YUtGQzdLbEpSZllZZ0hLUy0zOWFDaUx3dHV0cl9fdHR6TmVkUlpSRnRSZDZxYU8zSTMtQ3FV?oc=5) · Emblom Brenny Funeral Service
- 2024-04-14 [Business People: Irene Folstrom to lead Tribal affairs for Minnesota - Pioneer Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNOVlRUlUzRU45RWlKSWp6MjRVRUxHQnR3b1dpRFdMUlVxZ0JnYS1mQkRaWWU4eXRDaXNLcjhXVTU1YXdFck5XSHctWEc2ZHFENnNjWVF0RzdlNUN1MlNmTnd6VkJHM1pwaEpyZXUzc1E0aWtNQWw2MDgtdE1iUlZob1RqbDBnanV5V1cwMVlHZW44YnBtZzlNQ0wtbndmV1RFanpsV3o3TmFIQQ?oc=5) · Pioneer Press
- 2024-09-03 [Riverview Office Tower in Bloomington to be sold following loan default, spike in vacancy - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQeWNyRlg3bHNOY0RfTmtERnV3aWQxRk05UjZSZWgxd2pwQXNJYzh3WVZqelVueDdkSnFaLTVJRzdPT1hCY1FxZEhEWW1YdlFkbUJyNE5zT0VBNGxoNjZpQkpib3BEaklKMFd5VjYxWk0xcUhTOS1DTmNVUmVtVFRZWHJoZFctZWZ2Y1E5V19ydzBBYXJiWjdkTHl0emNmWHVWWVZiX2RSX1FvblFi?oc=5) · The Business Journals
- 2010-01-24 [Biz Buzz for Jan. 25 - Duluth News Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE5aTWtWRUIxTm16ZW5PcWFTRDF2RFNPdW93QlAyem10SmpHT0l6S0RZdTNsZnJjWGNzc1RiaGV3Z1RuaWJSRVktc3FCMHBlV0ljQmZqVmNCUVZrb3lTaUV2d2JCZ2QxaUJBWlVYaWdUZw?oc=5) · Duluth News Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65448 (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/40.json (key "65448", 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=65448
- 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