ALABAMA RIVER Credit Union Profile

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ALABAMA RIVER

Charter #65402 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (251) 575-2921

Fax: (251) 575-5271

Founding Date: N/A

Website: http://www.arivercu.com

Personnel & Operations

President: House, Johnny

Manager: DOWNING, SHARON

FT Employees: 6

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 8:30 AM TO 4:30 PM MONDAY, TUESDAY, WEDNESD

Credit Union Profile Summary

ALABAMA RIVER is a FISCU Credit Union. With a total of 1,703 members [1], this institution manages approximately $22,695,974 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.96% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -11.90% [1].

Financial Snapshot

Total Assets [1]
$22,695,974

Total economic resources.

Total Loans [1]
$5,283,763

Total value of outstanding loans.

Total Deposits [1]
$20,357,261

Total funds deposited by members.

Members [1]
1,703

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.96%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.20%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
25.96%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.44%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -11.90%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.16%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3365 S ALABAMA AVE

MONROEVILLE, AL, 36460
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ALABAMA RIVER (Charter #65402).

Main Office

Alabama River Credit Union Main Office

Type: Corporate Office

3365 S ALABAMA AVE

Monroeville, AL 36460

Phone: (251) 575-2921

Services: Member Services, ATM, Drive-Thru

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