Riverfall Credit Union Tuscaloosa, Alabama
Riverfall Credit Union is a state-chartered credit union headquartered in Tuscaloosa, AL, established in 1953 (NCUA charter 60942), and it is regulated and insured by the NCUA. At Q2 2026 it reported 14,223 members and total assets of $193.9M (up 1.9% from Q2 2025), the 30th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 11.95% at Q2 2026, in the well capitalized band.
Also written as Riverfall CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60942
- Headquarters
- Tuscaloosa, AL
- Established
- 1953
- Total assets, Q2 2026
- $193.9M
- Assets vs Q2 2025
- +1.9%
- Members, Q2 2026
- 14,223
- Net worth ratio, Q2 2026
- 11.95%
- Latest call report
- Q2 2026, NCUA 5300 · Riverfall Credit Union call report
- Asset rank in state
- 30th of 87 in Alabama
- Routing number
- 262277286
- Branches
- 4
It has 64 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.07 percentage points from 12.02% on June 30, 2025. Used vehicle loans are its largest loan category, $40.4M of $88.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.93% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.95% net worth ratio is above that band's 11.43% median.
Frequently asked about Riverfall Credit Union
How big is Riverfall Credit Union?
At Q2 2026 it reported total assets of $193.9M and 14,223 members.
Where is Riverfall Credit Union headquartered?
It is headquartered in Tuscaloosa, AL, United States.
When was Riverfall Credit Union founded?
It was established in 1953, per NCUA records.
Is Riverfall Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60942): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Riverfall Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Riverfall Credit Union well capitalized?
Its net worth ratio was 11.95% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Riverfall Credit Union's delinquency ratio?
Its delinquency ratio was 1.93% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Riverfall Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tuscaloosa, AL 35401
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 60942
- RSSD ID
- 385190
- Members
- 14,223
- Potential members
- 319,984
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.95% | 11.43% | 56th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.55% | 0.81% | 33rd below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.57% | 7.02% | 31st below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.68% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 86.03% | 76.55% | 19th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.77% | 1.24% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.93% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.44% | 4.92% | 21st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 50.34% | 75.66% | 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$193.9M total assets against $190.2M; $175.1M total shares and deposits against $172.8M; $88.2M total loans against $89.7M.
$23.2M net worth against $22.9M.
11.95% net worth ratio against 12.02%.
50.34% loan-to-share ratio against 51.93%.
1.93% delinquency ratio against 1.67%.
0.55% return on assets against 0.24%; 4.57% return on equity against 1.97%.
2.68% net interest margin against 2.44%.
14,223 members against 14,287.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.95% | 0.55% | 1.93% | 50.34% |
| March 31, 2026 | 11.63% | 0.14% | 1.08% | 49.79% |
| December 31, 2025 | 11.75% | 0.06% | 1.52% | 50.23% |
| September 30, 2025 | 12.00% | 0.25% | 1.29% | 51.63% |
| June 30, 2025 | 12.02% | 0.24% | 1.67% | 51.93% |
| March 31, 2025 | 11.99% | 0.13% | 1.15% | 52.18% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.