# RIVER VALLEY COMMUNITY
Camden, AR · NCUA charter 8812 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-valley-community-8812

Who the members are: federal charter, community charter, organized 1953, low-income designated. 6,775 members of 107,000 potential (6.3% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.6M |
| Members | 6,775 (-2.6% YoY) |
| Full-time staff | 21 |
| Net worth | $8.8M |
| Net worth ratio | 13.6% (p58 of band) |
| ROA (annualized) | 0.90% (p62 of band) |
| Total delinquency | 0.85% (p65 of band) |
| Net charge-offs (annualized) | 0.55% (p74 of band) |
| Loans / shares | 80% (p82 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.74% (p93 of band) |
| Operating expense / assets | 4.37% (p75 of band) |
| Vehicles % of loans | 46% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 6% (p61 of band) |
| Vehicle delinquency | 1.48% (p82 of band) |
| Vehicle NCO | 1.17% (p85 of band) |
| Repossessed % of vehicle book | 0.73% (p98 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 23% |
| Average share balance | $5,283 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $15,855 |
| Loans granted, annualized | $11.3M |

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency 2x band |  |
| 2017-06 | 5 | net worth falling, delinquency rising | delinquency 2x band |
| 2017-09 | 4 | repo signal | net worth falling, delinquency rising |
| 2017-12 | 3 |  | repo signal |
| 2018-03 | 2 |  | losing money |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | auto monoline |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 | delinquency 2x band | 3rd-party paper>100% NW |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 1 | members leaving | delinquency 2x band, net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 2 | repo signal | delinquency rising |
| 2025-09 | 2 | delinquency rising | delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band |  |
| 2026-03 | 1 |  | delinquency rising, delinquency 2x band |

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

- 2025-02-03 [Hixson new CEO of Camden-based credit union - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVm9BTmVsV1dIWU9HOG9wVzlVcW9mQnU0NXlpbWpUWkp5N012bEFnc2VIV3lDMVpDV2dPTHpTVXhkVzAwQmVZNUVfSXlzR1EteXpMNk5PTHdpby1JZlNPeDhNTG5nS0VfMHZXMW00UWo1aUdJck9RQzNWU3c0UjBZQllHZzNSbi05Q2Vxem03R0E3dW02NHdlTlRRTzBZcGMtdlF2U0JEMko2WThQT1ZyOHE5TjBWUQ?oc=5) · Magnolia Reporter
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-06-22 [McClelland Consulting Engineers Adds Three to Fayetteville Office (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMivwFBVV95cUxPcHdTMUVoZ19OektCTFpHZmZJNmt4T184TGZlOVd0MTh2SUxjVXB1ZmdUWGxJandvbV8yLVFEVkwyQWctS3VQWWRybTh6SFZaWThkNnVTV1R4VHlTcjVYclNKdGZ5WkVINXY1S25zVF9peS1CanRFejAwNnQwZVRUbE9uZzdfWnNheGl6ejkwdmJVSmRUN182cTRTZzctZkxEVER2MW1LcjQzNHlXQWt1d2xQVUhyNWFYakdWNDMwdw?oc=5) · Arkansas Business
- 2026-09-07 [Re-imagining Magnolia with ChatGPT, Labor Day Edition: Restaurants at the Main-Dudney intersection - Magnolia Reporter](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcHBNTWh5UGRrUWVQaGJvY0NncDdrNWd0aWE1MWtjNGt2bmNsS1JDa2NqMTZCSDNRdVdCU2RrSUhpbmlHTUF0ZFRGZTEtd3EyRFo5emQ4ZG9fZV9oT1dObHg3MGdYWVBjVEFsa0hKM3kzQ1ROZmJwZlpPbkJvUXNCR29LU3loUHFOUXd3ZHByVW0tOUxhazZGa2FuUDNpN2pvb3VQQVFEc1k0R1ZrNmRQUzJvYmxBUVBOTWgwWUZBcw?oc=5) · Magnolia Reporter
- 2025-04-17 [Real Estate: Seven houses sold in Columbia County during past two weeks - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxOUWlYRjhCUUlUM2JJOW12RlpxQ2NQOVFyMmdsajNPNXFTMWxhQldKdGxLNmNlc08yU2NYb2laMEgxYzl5VDlBWkpoNFRVWlp1NVVUTnpXbS02YkZsWDBkMi1xYXVkR0Voem9xdDJzM21LeUJhNjZBS0JPdlBBSHhCaXd4RUNLYVFqN2V5U21zcnR3Q2N2ekZLakZwWmllc2xQcEpqWFBGQlBqTW9mTm1DalBzc2FSUQ?oc=5) · Magnolia Reporter
- 2025-02-02 [Real Estate: Commercial property sales top recent Columbia County deals - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxNSC00N1AzUm4zb1ZtYzdzbXo4QlFCWW01S0RIcF9kTVNXOHBTZUtqNTNfRlNOUXAtTmdOM0ROcFhSemVENWUyUW8zbGg3YnBKb050czNyM0NtbjZibTg0MHJjckkwS2pwdThHWFNuSXo3cUotcDFrNEw4QWNKcEg5ZGZiZnJFVE1LSll1d0s4N2h1Yk1UOS1ZbG9kenZRRnJNMFpGMExVc3lVTDRxUGpSSEpIc19mQQ?oc=5) · Magnolia Reporter
- 2025-02-19 [Former Smitty's grocery store being torn down - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxOR2J3TWowRHhFand2aXdERDhkWUJRNkVZWklVLWlnLWJ2ajF4MUZ5M3NwS3F1RFZhc3FNR0ljT21MdHdLS29iUlhMN01ielJ1WjRaSmhSU2NBWUZ2MC1GRkdJX2ZhRURzdWJKWTlGLXZRanZrbnIzaE9uUHZVSXBBdFptRGVDdzgyTFdjRUtpZU5MYlFfMWpMdVpRc0JUQTRwaGNhcW0wN0ZST3dLZDFDUGEyS2FQdw?oc=5) · Magnolia Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8812 (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 "8812", 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=8812
- 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