State credit union · Tuscaloosa, Alabama · NCUA charter #60942
RIVERFALL
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $194.4M
- Total assets
- 14,306
- Members
- 11.6%
- Net-worth ratio
RIVERFALL scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $194.4M; members 14,306; net-worth ratio 11.63%; health rank #3,182 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,182 of 4,374 health · 2025Q4RIVERFALL · health 76/100 · $194.4M · 2025Q4
- CAMELS 76/100
- HEALTH 11.6%
- NW 1.52%
- DELQ 0.17%
- ROA $194.4M
- ASSETS 14,306
- MEM #3,182/4,374
- RANK ACHIEVE
- PHOTO 60942
Call Report peers
RIVERFALL in the assets neighbourhood
RIVERFALL's $194.4M assets sit next to ACHIEVE ($194.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIVERFALL vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
RIVERFALL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60942, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where RIVERFALL diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.97 pp (50.23% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
RIVERFALL in Alabama
- Health composite ranks #64 of 89 among scored Alabama credit unions.
- By total assets, RIVERFALL is #29 of 89 in Alabama.
- Member book place in Alabama: #28 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How RIVERFALL's 5300 filing moved
RIVERFALL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $194.4M (2025Q4) to $196.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.75% → 11.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.1 pts
- Return on Assets 10.1 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.7 pts
RIVERFALL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.63% | -0.48 pp |
| Delinquency Rate | 1.52% | +0.62 pp |
| Return on Assets | 0.17% | -0.45 pp |
| Member Growth | 0.04% | - |
| Loan-to-Share Ratio | 50.23% | -21.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $196.9M | - |
| 2025Q4 | $194.4M | 14,306 |
| 2024Q4 | $180.0M | 14,300 |
| 2023Q4 | $162.4M | 13,843 |
Credit Union Details
- Charter Number
- 60942
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Tuscaloosa
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, RIVERFALL runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Tuscaloosa, AL |
| Centreville | Centreville, AL |
| Northport Office | Northport, AL |
| 69S Office | Tuscaloosa, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
RIVERFALL nationwide neighbourhoods
Cross-state asset and health neighbours for RIVERFALL - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($194.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- RIVERFALL ranks #3,182 of 4,374 nationally on financial health and #64 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ECO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ECO
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is RIVERFALL financially healthy?
A 11.63% net worth ratio and a 1.52% delinquency rate feed into RIVERFALL's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,182 of 4,374; by total assets it ranks #1,292 of 4,374 nationally (same basis as /rankings/largest); and #29 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does RIVERFALL compare to other credit unions?
RIVERFALL scores 76/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join RIVERFALL?
Membership eligibility for RIVERFALL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RIVERFALL directly for current membership requirements and application steps.
Is my money safe at RIVERFALL?
Federal credit unions like RIVERFALL are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. RIVERFALL's net worth ratio of 11.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RIVERFALL offer compared to banks?
Credit unions like RIVERFALL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact RIVERFALL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.