# RIVERMARK COMMUNITY
Oregon City, OR · NCUA charter 65644 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rivermark-community-65644

Who the members are: state charter, organized 1951, low-income designated. 175,894 members of 12,075,829 potential (1.5% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $3.24B |
| Members | 175,894 (2.1% YoY) |
| Full-time staff | 559 |
| Net worth | $344.3M |
| Net worth ratio | 10.6% (p48 of band) |
| ROA (annualized) | 0.61% (p42 of band) |
| Total delinquency | 1.19% (p87 of band) |
| Net charge-offs (annualized) | 3.73% (p100 of band) |
| Loans / shares | 74% (p21 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.22% (p95 of band) |
| Operating expense / assets | 3.85% (p81 of band) |
| Vehicles % of loans | 28% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 177% (p62 of band) |
| Vehicle delinquency | 0.48% (p38 of band) |
| Vehicle NCO | 1.16% (p60 of band) |
| Repossessed % of vehicle book | 0.11% (p61 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 24% |
| Average share balance | $7,031 |
| Participations bought / yr | $97.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $109.5M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $19,967 |
| Loans granted, annualized | $386.0M |

## Participation posture (from the same filings)

Bought $97.2M and sold $0 in the latest annualized quarter; $109.5M outstanding purchased (31.8% of net worth), $1.5M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -2.2% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | loans>95% of shares |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 3 | net worth falling, loans>95% of shares | repo signal |
| 2017-03 | 5 | thin capital, charge-offs p90 |  |
| 2017-06 | 3 |  | net worth falling, charge-offs p90 |
| 2017-09 | 2 | charge-offs p90 | loans>95% of shares, thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | 3rd-party paper>100% NW |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 3 | net worth falling, expense trap, margin squeeze | delinquency rising, members leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | thin capital |  |
| 2021-06 | 2 |  | net worth falling, thin capital |
| 2021-09 | 2 | thin capital | expense trap |
| 2021-12 | 0 |  | margin squeeze, thin capital |
| 2022-03 | 1 | expense trap |  |
| 2022-06 | 1 | net worth falling | expense trap |
| 2022-09 | 1 | leaning on borrowings | net worth falling |
| 2022-12 | 2 | thin capital |  |
| 2023-03 | 2 | expense trap | thin capital |
| 2023-06 | 1 |  | expense trap |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 5 | thin capital, net worth falling |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | net worth falling |
| 2024-12 | 4 | losing money, margin squeeze, 3rd-party paper>100% NW | leaning on borrowings, delinquency rising, thin capital |
| 2025-03 | 4 | expense trap | margin squeeze |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 2 | charge-offs p90 | delinquency 2x band, losing money, expense trap, assets shrinking |

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

- 2026-08-20 [Guiding your financial journey with Rivermark Community Credit Union - KPTV](https://news.google.com/rss/articles/CBMiowFBVV95cUxNOFlWWDNlQUJxaW5QRnJnRGlVZ2daLXZlZ09mc1BiQ3NXSk1FZlJyVGxsOFcyRWtBVC0tSkZpMXRlYjBBQlc0dkRSMkFhTnpWb25FMkxCSlFlV3NfcklyNzNISW1WRHBTX3cwMVNXb1k0SE16dTdyWHdRM2hRUmFQYVdaclh4V2NjVXlncnpBQjNtNXA1NUpGYUotbDV0RjkyY1NF0gG3AUFVX3lxTE5HNThDbkVscXlmalF5SE5DbEktR2JudWR2alpmWEFlOFN5b1BmZms3al85RlpoU3VubzhHZzA3TC1wZ0dPMGdvVkVMdFM3WDlnaml6N0YtdXdoSTdpVE40ZHBLeW92NHd0Q2VFamNzTmZXeHcycXRBMURoRF9qVjE2a1dERFBrSElERnllVnhWclpCS0FFSW1GM3hnX1NWV3hXdWlVUEF4Rmc1aUtrbGZ6RmtkN1loMA?oc=5) · KPTV
- 2026-02-11 [Rivermark's Commercial Delinquencies Return to the Past - CUTimes](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZmgwaEJMOF95c0xvcXZiNmJGQnRwbmx0RS1HeFo3NnZwUFlORkNBTFlZUmptUnIwN1psZ2hjdE10ekFuTkNsLTBURUoyNUIzQkFjWTRlOUtzb2x6bXFRRk15anc1TzhSeU1zWEhrb0tvTHFXUFBFWjEzRXBZZkRHYno3bW5oWVNCUVRGRWpLM2treFBK?oc=5) · CUTimes
- 2026-05-01 [‘Decisions like this are never easy’: Credit union will depart from Downtown Portland - KOIN.com](https://news.google.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?oc=5) · KOIN.com
- 2026-04-30 [Rivermark to close downtown Portland branch - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQ1ZPWWhETXQ3cTc2R1E3b2JRMmh4RG5IZ0JRai1pX3RjVkdDSGJNUjFCbDY2UjlwUDBlSGpMc2JnTnZoRTd2ZVYzMTljRDdDdlhLSXZtTGtUakNyaUFWOVBCanF5MUpIZ3p2Ni1jTTZFOENtampIdXplcm1GLU10bEF1ZzFnYXAyeGZZdlE4MzhjV01yYXpwS0VWTzVuV0pHV08yNGMzVQ?oc=5) · The Business Journals
- 2026-02-13 [Rebuilding Together replaces roof as part of $3M grant from Rivermark Community Credit Union - KGW](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQb2Y4RUp3a0cwVHdqb2lCSHZKZDhkb3hLcnlEUTVzR0RLYTQ2cUdVLTB0OEc1MXpuZU45eVkyMllCQ1lBWXNxeVpadkJtblZheEpVUjFMVDZVSlVYSXV5eVVqaFdJbUVIZ3RyZTJmM0dxYm5DYjNnQk9UVk1XSHdGcTZUb2h0VFExeXpIbDhJS0lhbkJBcUE3RUdhRGJTZ3RMalZ4ODlrZ240NnE1am1tMnZERk9GWUxSMGJnLTFmN1BIT2xHWUhWMm82elVNUlFXempGcmR0MHVEOUxIcGJJRjU1UzFPcG9ZS1NJUl9uOTUyTUV0dTl0eEljWU81aUZWcmtNVDVwdHo?oc=5) · KGW
- 2026-01-07 [Oldest black church gets $3M grant - oregonfaithreport.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5wTS01cHR5ZzE0eWlxclduQi1uNFNmbjlfelhkWkxKYjYxdnp6aWprMENRVVZBUkc3UnEtakNjMEdGLWM3UDV6UXNSREoxdnVzMWxoaGpCMzh2aFBya1lJU3lHWTZMZVRaSS1mS3UtQmdtQjBlOFYweTRMUGg?oc=5) · oregonfaithreport.com
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2025-11-06 [Rivermark's Seth Schafer discusses relief options during historic government shutdown - KATU](https://news.google.com/rss/articles/CBMitAFBVV95cUxPTEtvQTY4Ui1DeUpIS0k1UlRpRTZMMU96el9vdTRyVUEyV2NkU2Fadmh6TnlHY0dLcTZXdGppSTgxNS0zMy1VRzlYVGJmdEFkTk84azRZSndpZ0Z4Vko5TnN6cDhhQkZTcGMtUU1reGloTVo5Z3FNdnhpZDBqQXlfYm0wZWdQN2lCYUJUOFY2aFBRcVEzMGMyNVVlSXZWR3c5QlVwdXJjMlRHX3JJVVUyVFBOQjU?oc=5) · KATU

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65644 (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/44.json (key "65644", 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=65644
- 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