# REVITY
Granite City, IL · NCUA charter 68623 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/revity-68623

Who the members are: state charter, organized 1941, low-income designated. 36,740 members of 1,298,000 potential (2.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $529.3M |
| Members | 36,740 (0.2% YoY) |
| Full-time staff | 104 |
| Net worth | $52.6M |
| Net worth ratio | 9.9% (p42 of band) |
| ROA (annualized) | 0.98% (p72 of band) |
| Total delinquency | 0.27% (p18 of band) |
| Net charge-offs (annualized) | 0.21% (p23 of band) |
| Loans / shares | 72% (p28 of band) |
| Cash / assets | 4.2% |
| Borrowings / assets | 9.45% |
| Net interest margin | 3.73% (p72 of band) |
| Operating expense / assets | 3.53% (p48 of band) |
| Vehicles % of loans | 44% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 226% (p78 of band) |
| Vehicle delinquency | 0.26% (p19 of band) |
| Vehicle NCO | 0.27% (p16 of band) |
| Repossessed % of vehicle book | 0.05% (p52 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 62% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 20% |
| Average share balance | $5,758 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $28.4M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $15,130 |
| Loans granted, annualized | $114.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $28.4M outstanding purchased (54.0% of net worth), $3.0M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | net worth falling, members leaving |  |
| 2019-03 | 6 | losing money, charge-offs p90 | loans>95% of shares |
| 2019-06 | 5 |  | net worth falling |
| 2019-09 | 4 |  | losing money |
| 2019-12 | 2 |  | members leaving, charge-offs p90 |
| 2020-03 | 3 | loan book shrinking |  |
| 2020-06 | 2 | net worth falling | auto monoline, loan book shrinking |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 | charge-offs p90 | margin squeeze, net worth falling |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | leaning on borrowings |  |
| 2024-03 | 1 |  | leaning on borrowings |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 3 | leaning on borrowings | delinquency rising |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 1 |  | leaning on borrowings |
| 2026-03 | 2 | leaning on borrowings |  |

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

- 2026-08-20 [Revity Credit Union’s 10th Annual Tee Up Fore Veterans Golf Tournament raises $44,984 for Greater St. Louis Honor Flight - The Labor Tribune](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPODJid3JMdzZvM2xsMWlvTWNrQWZfOFFHOFd3eFQ5d0FqZ003cFVVd2pibjBDUnhTejcyUzZfU0loU0RFOFZSZmMwN1ZKS0IyZ3h0Vi1va1NSeWFScVNmN2lUUWgzMEYxSHlIZllYX3gyM2swN042RWFoa1diT3pqNHJjN1IxdnZQaG1BMy1LTDRqajZFQ2FQeFBoczh0ZWlGVzhZSUZJamhaZmstVGZxUWVfQ2VFbFI4Y09URy0xRGZNMTlYWlExVE94My1Dams0Q09ZZmZtTFgwdw?oc=5) · The Labor Tribune
- 2026-05-13 [Drive into Revity's 85th Celebration! - KSDK](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNcnVKV1ZuNUpSNW8xZ1hYZmthT3NPbGxYRnhEczMwZGN5U215ZG8wT0YydUdPcHF0aTVuUldSMjBBVFExQUo1RTFYUmRYMll2eGFLdklFZ2JDX1FfMUgzR2gtWlRKaVBmMVc2RkFTamlDeVJSTG9jOVFkNW5NWjRxdzBjQVpNQ1JLd1BiY21SOU43OFhsdFQ5N3R1cmx0RjNINEpRVXh5TVU4NEVCa2JnSHB2dWtRMG5QaHQyRmFpZC11S0VZWllIRnBIcG8tRzd6aGFyT0tiQWVobHluTkJnQ25qZmM?oc=5) · KSDK
- 2024-09-18 [Revity Credit Union selects John Merritt as next CEO - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeDJVMS1SS09seWpfUnJmcUcwbU1OLXdmNjY5dGxSYWRhaDV4ZU0wWEJZTk1Ra2VpRnFNTmRmRi1pbERUUVFZNnJNdWNsalFuQ2wwc0dlYUo2QUVsVjhYX0hlXy15UC00aExQLVFXSWVQbFdETVk2cFppdzlGa3pBbGhHdmlvRkZvY0tsWkdKZFRvYU9CMW9Fcw?oc=5) · CUInsight
- 2025-03-11 [Revity Credit Union Elects Board Of Directors & Receives State Awards - RiverBender.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTlNnNU1taV9SRmZKdXVZbjRBcGtla2dveDJ2OGp5djN6Tm1uVGtFa3d3eE5DeWNPQ1pBaTJ1dWItU2V5UkNST2phMk1NSXR1VzBseGxVcHNRMi1aSmRVVlV6ZTFPTkJvNU8zSmp0d1dxdC1ZOTBiY2t0Y3phaTYtNXpVU2YxT0ZoaF9rcmpxUlNyT2xVd1F4Y3lFUGIwcTZ1dWp6V3FadDhQQTdSclJZUWNVNjUzMWxyNkFn?oc=5) · RiverBender.com
- 2023-11-20 [Contegra completes work on Edwardsville Revity Credit Union location - Illinois Business Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMGl4YTg4SVdHeHBZazE4b1JRTS04Um9JN096Z05yTWhoLS1YYV82dUYtV0NLMndoR3dXaUJrMmtlOS1pWWl3Sk02aVM0MUtGeXJIcW9GbnJLQkdPMVI2Y3JUWlcwY3RaaGhBUGhSOGtodVVTWEhVTS1FMG00cDE1VEk3TmxiOTI0UWRRcF9RTzVDMFBqcURhMG03TGtMUTlnMk5xdHBrOTlYUQ?oc=5) · Illinois Business Journal
- 2024-05-18 [Madison County credit union president prepares to retire after career spent helping - theintelligencer.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdExOSHpSZXBfcVRNeHN4Vy1Id3NEaW5lSE9nZWE0eFU4V2QwWlhQSVF5UUZVNlBhQkVrQ3JLT2ZkMng2ZzVwZnV2bDJ5Uk5QbkxITDlHSUxNOFI2RC1FTzBDZEt3Yks5TXJvejl0V0RVWVd6VFVrR0V4N3I1WElQR1lmV19ucHNTQ3VLZWs0VnFPRnNsN0N3aEdVdE14ZjI1cXJWRHRuZHE?oc=5) · theintelligencer.com
- 2025-05-08 [Revity Credit Union Raises $2,900 for Big Brothers Big Sisters of Southwestern Illinois - RiverBender.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQaEdoU1pFZ1RzclJrQmZrYUhPd2pQMmFETE9IT25kWGJwYllhRmNWTnJ3WUNuYVhtbXV1UU55ZlViNE5qcThJVzM3a0JmVUdLdG8zNVJNNzdHTXNndEo5Nk1mQ1Zvd0h2cnA3a2tpb2lqeFVITDZ2NFA1eWVRWENnVXRaWHZBRTU1YThSQVZWczBBQ3dnVU5vNXZPUnJWRGJ0OE8xX2ExV0hNSEFrZXAxc3BZcURjUjRlVEZVdUNFM0FXU3RkRjJOYV9vUkYxOERTdnc?oc=5) · RiverBender.com
- 2023-08-03 [Revity Credit Union Construction in "Final Stages" in Edwardsville - RiverBender.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPTmFKWmkxOEFyLS1fMkhZTUVnTmlHSU82c1FpSXVLcXRIcm5JelNvczRrWm9CRlZEV1Y2TC14am9IMDhRVUFIYkpEcmF6ZjNUb29IelVyZnc4SlRoRmxmWVEtLWsyN25CNzhrbjI3OEQwMTYwYmRrSjBJeWktLUZyYnVZU1B5OVVjRG1Vekhlc2dOd0ZxdzkzMGM0QkthTG8wUkJwYjdvTWs5M3hMMEZXSk5UeG9iUQ?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68623 (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/15.json (key "68623", 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=68623
- 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