# RIVER CITY
San Antonio, TX · NCUA charter 926 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/river-city-926

Who the members are: federal charter, community charter, organized 1936, low-income designated, minority depository institution. 11,716 members of 2,009,324 potential (0.6% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 111.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $153.4M |
| Members | 11,716 (-14.9% YoY) |
| Full-time staff | 50 |
| Net worth | $16.9M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | -1.90% (p1 of band) |
| Total delinquency | 3.07% (p98 of band) |
| Net charge-offs (annualized) | 1.64% (p96 of band) |
| Loans / shares | 91% (p90 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 11.54% |
| Net interest margin | 3.79% (p59 of band) |
| Operating expense / assets | 5.31% (p90 of band) |
| Vehicles % of loans | 35% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 67% (p62 of band) |
| Vehicle delinquency | 0.76% (p60 of band) |
| Vehicle NCO | 2.42% (p94 of band) |
| Repossessed % of vehicle book | 0.35% (p92 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 20% |
| Average share balance | $5,404 |
| Participations bought / yr | $21.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.6M |
| Loans outstanding per 100 members | 111% |
| Loans granted per 100 members, annualized | 69% |
| Average loan balance | $9,038 |
| Loans granted, annualized | $46.0M |

## Participation posture (from the same filings)

Bought $21.5M and sold $0 in the latest annualized quarter; $15.6M outstanding purchased (92.5% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, capital below 7%, losing money, expense trap, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 8 | auto monoline |  |
| 2016-12 | 7 |  | auto monoline |
| 2017-03 | 8 | net worth falling |  |
| 2017-06 | 8 | assets shrinking | net worth falling |
| 2017-09 | 8 | members leaving, loans>95% of shares | charge-offs p90, assets shrinking |
| 2017-12 | 9 | assets shrinking |  |
| 2018-03 | 7 |  | losing money, loans>95% of shares |
| 2018-06 | 7 |  |  |
| 2018-09 | 9 | losing money, loans>95% of shares |  |
| 2018-12 | 8 |  | assets shrinking |
| 2019-03 | 6 |  | losing money, loans>95% of shares |
| 2019-06 | 5 |  | members leaving |
| 2019-09 | 6 | loans>95% of shares |  |
| 2019-12 | 5 | assets shrinking | capital below 7% |
| 2020-03 | 6 | capital below 7%, losing money | loans>95% of shares, assets shrinking |
| 2020-06 | 6 | net worth falling | losing money |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 2 |  | 3rd-party paper>100% NW, capital below 7% |
| 2021-03 | 6 | margin squeeze, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 3 | loan book shrinking | thin capital, delinquency 2x band, delinquency rising |
| 2021-12 | 3 | delinquency 2x band | loan book shrinking |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 6 | loans>95% of shares, leaning on borrowings |  |
| 2023-03 | 4 |  | delinquency rising, loans>95% of shares |
| 2023-06 | 6 | net worth falling, losing money |  |
| 2023-09 | 5 | loans>95% of shares | delinquency 2x band, net worth falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 7 | net worth falling, margin squeeze, delinquency 2x band | loans>95% of shares |
| 2024-06 | 8 | delinquency rising |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 9 | members leaving |  |
| 2025-03 | 8 |  | margin squeeze |
| 2025-06 | 7 |  | delinquency rising |
| 2025-09 | 7 |  |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 7 |  |  |

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

- 2026-02-27 [Cheer on River City Half Marathon runners with 8News! - WRIC ABC 8News](https://news.google.com/rss/articles/CBMijgFBVV95cUxObzZBVndBVXFQUVZZUHRfWk9yMEJrd0gwdXBVRDJmZG1OeUVhRWdpdENsTXdtZFg2dVhGZ0IwalRuc2dKNGNFQWRWYkkxYURTV0RrTG9Yc1UyYzZjSHVQQ01Xck9CV2RLR3RGWDNwYVRQTDRqUXJPZnpPaGJLR1lNZTFhalpCVWJELU44a2VB0gGTAUFVX3lxTFBWVTZxOEtwQ2sxcl94dnZQUmItMWl4RjFxaWFZU2NHQ2ZWcE0yTFRwdDNDUjN4cnJfMDBiYXRPWmgtZEt6ZlNvTGRFMGpLR3RXUlduTjlTMmcyU2hMdUlid0VuLTMxT2twTTQ2LWhUbUFDMEplclpQQzNIc2xfVGJ2M2hDMU1XWWV1VmJ2UDhoMU5FTQ?oc=5) · WRIC ABC 8News
- 2022-03-16 [River City Federal Credit Union moves back to San Antonio’s southside - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdHhYbi1tYmM0TTRDdEdwVTVWQi02UjFIWkstNGQ5cVQ0aFZWc3RHQzRjVHlEeF80c19mLVl4MU1URmtRN2Q5NVRFR1ZlWERwT3lkYlc0X3FicUpMWGp4bHBoUkZKaG9xSUsxTWpIQXI1WGkwZWVQSFEzRWdNVGRuelg2TkRjNTBuVm92SDRfS2JWbUdLN2dmZTlXbFRsbUw4OEhrOXBsZHZodFNlblE?oc=5) · CUInsight
- 2025-10-13 [Dave’s Hot Chicken wants to build-out in River City Marketplace - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMisAFBVV95cUxOaHJpamtobm52M1pqLVNWUHVhbzctNFRoejZOdnE1X1RlNGRMYVpjWW5RWEdlRWtJVmdmQUxoMHlhTnRKckpSVTg3WWVIT0Y0cWs1NzBMYnhkQm1sM2hlMURvVGFQNms5V0FHVmhCb0N2YjlHVnNMdXZlWWo4aG9mQjF3ajFsWWVEXzgzMHNVTndEcjNmLVNKV2U0aWpsbmY0V25fdGlHbGMwalFPN0hBaA?oc=5) · Jacksonville Daily Record
- 2025-03-09 [River City Half & 5K second event achieves major success with over 2K participants - WWBT](https://news.google.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?oc=5) · WWBT
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2022-06-15 [SA LGBT Chamber of Commerce president talks Pride Month and impact on business community - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOUkdrTnNGRGJaaHQwaWtMOG5XM3N1TmI5SDdDelRGQ3VvVkZ5c0RLdkZlSmRadzhoREs1OG1TOHBocDVKZnhMeVFrWnZtZVBYcHJHR1dPWGQtVTJqUDliNmRsWDdOcEc2emROQlVGUFZPUWUzeWx0eGhqTnk1NVJxa2NRY3V4T1BMNzFfV09ReFE3VFBHNzRCQmtneTBOWTk5blFkVnUtbjVORXZLLTB3?oc=5) · The Business Journals
- 2020-04-14 [Many area lenders were flooded with requests for small business loans. - San Antonio Report](https://news.google.com/rss/articles/CBMinAFBVV95cUxNejFZUVduVlZIVHRLVFM0OGZIUHAwcDlTdjZ6TklvcEdWYjlSaXNJRVh5SkltZWNqU0dJRTRkME1NX2Jrd0hTaHdjd1V5NFljXzdyNWItT3dVRkNUbWEyM2lCZGF1N3VDd1FpTldUN1BkeS16MElpa3BhOTY1SkJKc0ZxdXczZDVfeE5EUy1vUDNyay1YbHQyT1hoQUw?oc=5) · San Antonio Report
- 2017-12-05 [Bank advisors on the move - financial-planning.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5IR0hlX043LXRGb0tDTkNoVEdOV1UtTG9ZQ2NHeHI1MlhhdUtOeXpDaE5ibU5nQ3gwZDVPaGtLN1VueVNvOEMyNUVHQmtCaE92WVNYZTkyMzIzOXpoUzlLcnBEVXhSaEtkeEtvQ2gyVVBUbEwzOFRoenhkY1hIRW8?oc=5) · financial-planning.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=926 (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/30.json (key "926", 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=926
- 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