TellerScore

Riverfall Credit Union is a federally insured state-chartered credit union headquartered in Tuscaloosa, Alabama, in business for about 73 years. At the end of Q2 2026 it reported $193.9M in total assets and $175.1M in member shares and deposits, with 4 offices.

Riverfall Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 74th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 8% uninsured); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.95%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.93%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity100/100
Loans ÷ shares: 50.3% · 8.4% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202466
Q1 202565
Q2 202561
Q3 202565
Q4 202562
Q1 202665
Q2 202660
Net worth ratio
7.00%10.23%13.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.46%
Q3 202412.89%
Q4 202412.61%
Q1 202511.99%
Q2 202512.02%
Q3 202512.00%
Q4 202511.75%
Q1 202611.63%
Q2 202611.95%
Delinquent loans (60+ days)
1.02%1.48%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20241.02%
Q4 20241.27%
Q1 20251.15%
Q2 20251.67%
Q3 20251.29%
Q4 20251.52%
Q1 20261.08%
Q2 20261.93%
Return on assets
-0.04%0.15%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.04%
Q3 20240.12%
Q4 20240.18%
Q1 20250.13%
Q2 20250.19%
Q3 20250.21%
Q4 20250.17%
Q1 20260.14%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$193.9M11.95%1.93%0.35%50.3%
Q1 202665$196.9M11.63%1.08%0.14%49.8%
Q4 202562$194.4M11.75%1.52%0.17%50.2%
Q3 202565$190.0M12.00%1.29%0.21%51.6%
Q2 202561$190.2M12.02%1.67%0.19%51.9%
Q1 202565$189.8M11.99%1.15%0.13%52.2%
Q4 202466$180.0M12.61%1.27%0.18%55.6%
Q3 202469$176.0M12.89%1.02%0.12%58.6%
Q2 202468$167.6M13.46%1.14%-0.04%61.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.95%
57th
Problem loans1.93%
7th
Net charge-offs0.26%
62nd
Return on assets0.35%
20th
Loans to deposits50.3%
89th
Uninsured deposits8.4%
26th
Loan-loss reserves0.00%
50th
Texas ratio8.3%
20th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Eco Credit UnionCredit union Birmingham, AL72 out of 100, Strong$195.1M11.8%0.86%vs
Heritage South Credit UnionCredit union Sylacauga, AL63 out of 100, Moderate$183.7M10.2%0.88%vs
Alabama Central Credit UnionCredit union Birmingham, AL69 out of 100, Moderate$214.0M9.6%0.44%vs
Naheola Credit UnionCredit union Pennington, AL74 out of 100, Strong$219.6M18.0%1.97%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Alatrust Credit UnionCredit union Hoover, AL75 out of 100, Strong$224.0M14.0%1.72%vs

Deposit insurance

Is my money safe at Riverfall Credit Union?

Yes. Riverfall Credit Union is a federally insured credit union (NCUA charter #60942). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.4% of shares and deposits ($14.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Riverfall Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Riverfall Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60942
RSSD ID
385190
Primary regulator
State + NCUA
Established
1953
Headquarters
P.O. Box 1756, Tuscaloosa, AL 35403
Employees
40

Quick answers

Riverfall Credit Union: common questions

Is Riverfall Credit Union NCUA insured?

Yes. Riverfall Credit Union is a federally insured credit union (NCUA charter #60942). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Riverfall Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Riverfall Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tuscaloosa

InstitutionScoreAssetsCapitalProblem loansCompare
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
City Credit UnionCredit union Tuscaloosa, AL86 out of 100, Very strong$21.3M24.0%0.79%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs