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
Call Report peers
RIVERFALL in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); RIVERFALL sits in 75-79 with 502 others.
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
Where RIVERFALL diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.97 pp (50.23% vs 72.20%).
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.
- One place up in Alabama, REDSTONE (#63) scores 77/100, 1 point higher; one place down, ECO (#65) ties at 76/100.
How RIVERFALL's 5300 filing moved
RIVERFALL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $194.4M (2025Q4) to $196.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.75% → 11.63%).
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
RIVERFALL gives up 24 points in total. Delinquency Rate costs the most, 8.9 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is RIVERFALL financially healthy?
On its 2025Q4 NCUA 5300 filing, RIVERFALL scores 76/100 (Very Good), with a 11.63% net worth ratio and 1.52% of loans delinquent. It ranks #3,182 of 4,374 nationally on health and #64 of 89 in Alabama.
How does RIVERFALL compare to other credit unions?
RIVERFALL scores 76/100, higher than 26% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.23% vs 72.20%).
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?
RIVERFALL is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.