Credit Union Safety Analysis
Is Riverfall Credit Union Safe? Tuscaloosa, Alabama
Based on its Q2 2026 NCUA 5300 call report, Riverfall Credit Union has a net worth ratio of 11.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.93%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Riverfall Credit Union's net worth ratio is 11.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.95%
- Delinquency ratio (60+ days) (Q2 2026): 1.93%
- Return on assets (Q2 2026): 0.55%
- Loan-to-share ratio (Q2 2026): 50.34%
Riverfall Credit Union (NCUA charter 60942, established 1953) reported $193.9M in assets and 14,223 members for Q2 2026 from Tuscaloosa, Alabama. It ranks 30 of 87 credit unions in Alabama by total assets. Total assets grew 1.9% from $190.2M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.63% for Q1 2026; 12.02% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.08% for Q1 2026; 1.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.14% for Q1 2026; 0.24% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 49.79% for Q1 2026; 51.93% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $40.4M
- 1- to 4-family residential and other consumer real estate loans: $30.2M
- New vehicle loans: $8.2M
- Other secured non-real estate loans and lines of credit: $5.7M
- Other unsecured loans and lines of credit: $3.0M
- Unsecured credit card loans: $658K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $193.9M | 11.95% | 1.93% | 0.55% | 50.34% |
| March 31, 2026 | $196.9M | 11.63% | 1.08% | 0.14% | 49.79% |
| December 31, 2025 | $194.4M | 11.75% | 1.52% | 0.06% | 50.23% |
| September 30, 2025 | $190.0M | 12.00% | 1.29% | 0.25% | 51.63% |
| June 30, 2025 | $190.2M | 12.02% | 1.67% | 0.24% | 51.93% |
| March 31, 2025 | $189.8M | 11.99% | 1.15% | 0.13% | 52.18% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Riverfall Credit Union profile
Regulator records: NCUA credit union profile (charter 60942) · FFIEC NIC profile (RSSD 385190)
Frequently asked questions
Is Riverfall Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Riverfall Credit Union's net worth ratio is 11.95%, above the 7% NCUA threshold for well capitalized.
Is Riverfall Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Riverfall Credit Union is a federally insured credit union (NCUA charter 60942): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Riverfall Credit Union's key safety ratios?
For Q2 2026, Riverfall Credit Union reports net worth 11.95%, delinquency 1.93%, ROA 0.55%, loan-to-share 50.34%.
What happens to my money if Riverfall Credit Union fails?
For Q2 2026, Riverfall Credit Union held $175.1M in shares and deposits for 14,223 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.