# RIVERVIEW COMMUNITY
SAINT CLAIR, MI · NCUA charter 7921 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/riverview-community-7921

Who the members are: federal charter, community charter, organized 1952, low-income designated. 3,460 members of 159,337 potential (2.2% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *too clean*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.3M |
| Members | 3,460 (-2.9% YoY) |
| Full-time staff | 9 |
| Net worth | $1.9M |
| Net worth ratio | 6.3% (p2 of band) |
| ROA (annualized) | -10.86% (p1 of band) |
| Total delinquency | 0.15% (p23 of band) |
| Net charge-offs (annualized) | -0.39% (p4 of band) |
| Loans / shares | 48% (p33 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p50 of band) |
| Operating expense / assets | 15.26% (p100 of band) |
| Vehicles % of loans | 35% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 104% (p96 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.32% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 106% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 2% |
| Average share balance | $4,781 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $11,838 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 1 |  | thin capital, delinquency rising, net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 6 | thin capital, net worth falling, losing money, delinquency 2x band |  |
| 2018-06 | 5 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2018-09 | 4 | delinquency rising | net worth falling, charge-offs p90 |
| 2018-12 | 4 | charge-offs p90 | delinquency rising |
| 2019-03 | 4 | net worth falling, members leaving | losing money, charge-offs p90 |
| 2019-06 | 2 |  | 3rd-party paper>100% NW, net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | losing money, delinquency rising |  |
| 2020-03 | 8 | capital below 7%, net worth falling, expense trap, 3rd-party paper>100% NW | members leaving |

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

- 2020-01-27 [Advia Credit Union and Riverview Community Federal Credit Union expected to merge - Times Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdEZiN3ZiTzVvdTZ2MkNJUDBDVTJZS1hKcHUxWVNUeUxiMjRQUkg3WGxMREJzSk43NHNJaUJ3YVVMODNTMlhELXNRa1RRdklXSXNBbTByOXdSTnJwazdiYzFwOTh2YnYzN3YxczNMWWJZU2xubVNwdEJpa0YtdS04cG1oQS12dlBzZk82ZU5DdzRSalVwNVhQaUJtYjRIVEdtaFhPZzk4ZTUyc2Z3ZmtaSkpYOWlBcl84?oc=5) · Times Herald
- 2024-01-23 [Julian B. Sullivan's Obituary, Visitation & Funeral Information - Young Colonial Chapel Funeral Home, Inc.](https://news.google.com/rss/articles/CBMic0FVX3lxTFBRSE82NFdHVms4R2V2dnVBZTk1WmRETTQ2S3g4VlVrTUJ4eHdXa3BUcG1XM3h2NmRpY3lnMjNoMHFtYUdsLTdVRWZ0Yl9OajZPdFBJOTlnMl92Y2JoRnBQNk5abDRSVVlPdXlrclBYcU50anM?oc=5) · Young Colonial Chapel Funeral Home, Inc.
- 2024-06-27 [Southgate Rotary awards scholarships to Downriver seniors - thenewsherald.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ3FoNjlhdmcxdWVCelo1UFY1d0hHUWFSZEg5ZlV2dEZJcEMyX1JDamRfR1VfZzB0bWU2dTFKcUN1dmFwYVhxYlFQRFczcVMwRkhGdDN0YUkzcjVnNDFHQVZFM0lSRXRCR015elNLNlhZQVFjazhVdHRhbUJYeE42SG9BSGxnOUZhQ2Y2YzR1bFZ0U1dnSFlZX1hpUUlxV0Vr?oc=5) · thenewsherald.com
- 2018-04-20 [Julia A. Chamberlin's Obituary, Visitation & Funeral Information - Young Colonial Chapel Funeral Home, Inc.](https://news.google.com/rss/articles/CBMidEFVX3lxTE1vNXVpLWMxc0pJY1VGNGM0a0VQRWZTdVJVVHI1SFpXRkliT2hSTmRMdE9INkJQNzhwRnN6YWVRRmlwc041cnVsSFRCc0dYQXUzNS1BNGl0bGhPX1VvQzlmZXdNZk85TmRFTHk3UEVSSTFQeGta?oc=5) · Young Colonial Chapel Funeral Home, Inc.

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7921 (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/49.json (key "7921", 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=7921
- 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