Civic Intelligence

Riverfall Credit Union

EIN 63-0436631 • 501(c)14 • Tuscaloosa, AL

View Organization Page

Profile

To provide thrift opportunities and low cost loans to members.

PO Box 1756Tuscaloosa, AL 35403-1756

www.riverfallcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

17.05x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

18th percentile

3.4%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

21st percentile

$176,458

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

94th percentile

11%

Faster asset growth than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

18%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$180,007,116

Up $17,652,856 (+11%) from 2023

Liabilities

Up

$164,676,304

Up $16,732,613 (+11%) from 2023

Net Assets

Up

$15,330,812

Up $920,243 (+6.4%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin18th percentile

Revenue

Up

$9,658,595

Up $1,484,740 (+18%) from 2023

Expenses

Up

$9,325,953

Up $1,820,952 (+24%) from 2023

Net Income

Down

$332,642

Down $336,212 (-50%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $92,614,423Liabilities 2010: $79,885,373Net Assets 2010: $12,729,0502010Assets 2011: $106,775,393Liabilities 2011: $93,228,840Net Assets 2011: $13,546,5532011Assets 2012: $115,265,710Liabilities 2012: $100,916,725Net Assets 2012: $14,348,9852012Assets 2013: $118,560,305Liabilities 2013: $105,223,770Net Assets 2013: $13,336,5352013Assets 2014: $119,294,489Liabilities 2014: $104,146,748Net Assets 2014: $15,147,7412014Assets 2015: $117,675,801Liabilities 2015: $103,088,352Net Assets 2015: $14,587,4492015Assets 2016: $119,773,431Liabilities 2016: $105,815,561Net Assets 2016: $13,957,8702016Assets 2017: $120,083,632Liabilities 2017: $104,951,853Net Assets 2017: $15,131,7792017Assets 2018: $119,473,574Liabilities 2018: $103,644,320Net Assets 2018: $15,829,2542018Assets 2019: $126,564,995Liabilities 2019: $109,848,618Net Assets 2019: $16,716,3772019Assets 2020: $151,929,371Liabilities 2020: $133,904,831Net Assets 2020: $18,024,5402020Assets 2021: $164,737,507Liabilities 2021: $145,607,416Net Assets 2021: $19,130,0912021Assets 2022: $159,794,835Liabilities 2022: $147,175,213Net Assets 2022: $12,619,6222022Assets 2023: $162,354,260Liabilities 2023: $147,943,691Net Assets 2023: $14,410,5692023Assets 2024: $180,007,116Liabilities 2024: $164,676,304Net Assets 2024: $15,330,8122024

Highlighted filing

2024

Assets$180,007,116
Liabilities$164,676,304
Net Assets$15,330,812
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $4,139,5712010Expenses 2011: $4,446,4112011Expenses 2012: $4,157,9782012Revenue 2013: $4,594,952Expenses 2013: $3,864,759Net Income 2013: $730,1932013Revenue 2014: $4,548,662Expenses 2014: $3,598,042Net Income 2014: $950,6202014Revenue 2015: $4,284,260Expenses 2015: $3,790,806Net Income 2015: $493,4542015Revenue 2016: $4,377,308Expenses 2016: $4,160,153Net Income 2016: $217,1552016Revenue 2017: $4,713,033Expenses 2017: $4,142,076Net Income 2017: $570,9572017Revenue 2018: $5,150,316Expenses 2018: $4,214,622Net Income 2018: $935,6942018Revenue 2019: $5,757,149Expenses 2019: $4,883,061Net Income 2019: $874,0882019Revenue 2020: $6,081,947Expenses 2020: $5,496,079Net Income 2020: $585,8682020Revenue 2021: $6,496,831Expenses 2021: $5,504,255Net Income 2021: $992,5762021Revenue 2022: $6,975,921Expenses 2022: $5,941,360Net Income 2022: $1,034,5612022Revenue 2023: $8,173,855Expenses 2023: $7,505,001Net Income 2023: $668,8542023Revenue 2024: $9,658,595Expenses 2024: $9,325,953Net Income 2024: $332,6422024

Highlighted filing

2024

Revenue$9,658,595
Expenses$9,325,953
Net Income$332,642
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$180,007,116
Liabilities
$164,676,304
Net assets
$15,330,812
Revenue
$9,658,595
Expenses
$9,325,953
Net income
$332,642
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$180$165$15.3$9.66$9.33$0.33
2023Detailed filing. Detailed filing data is available for this year.$162$148$14.4$8.17$7.51$0.67
2022Detailed filing. Detailed filing data is available for this year.$160$147$12.6$6.98$5.94$1.03
2021Detailed filing. Detailed filing data is available for this year.$165$146$19.1$6.50$5.50$0.99
2020Detailed filing. Detailed filing data is available for this year.$152$134$18.0$6.08$5.50$0.59
2019Detailed filing. Detailed filing data is available for this year.$127$110$16.7$5.76$4.88$0.87
2018Detailed filing. Detailed filing data is available for this year.$119$104$15.8$5.15$4.21$0.94
2017Detailed filing. Detailed filing data is available for this year.$120$105$15.1$4.71$4.14$0.57
2016Detailed filing. Detailed filing data is available for this year.$120$106$14.0$4.38$4.16$0.22
2015Summary only. Only limited summary data is available for this year.$118$103$14.6$4.28$3.79$0.49
2014Detailed filing. Detailed filing data is available for this year.$119$104$15.1$4.55$3.60$0.95
2013Detailed filing. Detailed filing data is available for this year.$119$105$13.3$4.59$3.86$0.73
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$101$14.3$4.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$93.2$13.5$4.45
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.6$79.9$12.7$4.14
Peer Organizations

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