Sep, 30, 2025 — RIVERWAYS FEDERAL CREDIT UNION is a federal credit union headquartered in ROLLA, MO with 3 branch locations and about $114.68 million in total assets. Opened 67 years ago in 1959, RIVERWAYS FEDERAL CREDIT UNION has about 10,201 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RIVERWAYS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1012 Forum Dr ROLLA, MO 65401 |
| Phone: | (573) 308-3113 |
| Fax: | (573) 341-2136 |
| Website: | https://www.riverwaysfcu.com |
| Branches: | 3 branch locations |
| Members: | 10,201 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12890 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $114,683,023 |
| CEO/Manager: | Scott Shults |
| Chairperson: | Phil Rufe |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,014,192 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 79,405,156 |
| Unsecured Loans | 1,085,973 |
| Other Loans | 17,864,691 |
| TOTAL LOANS | 98,355,819 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -504,340 |
| Land And Building | 2,515,539 |
| Other Fixed Assets | 730,439 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 871,034 |
| All Other Assets | 329,900 |
| TOTAL ASSETS | 114,683,023 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 968 |
| Notes & Interest Payable | 1,260,000 |
| Accounts Payable & Other Liabilities | 1,419,960 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 640,000 |
| Share Drafts | 32,653,508 |
| Regular shares | 26,565,137 |
| All Other Shares & Deposits | 42,587,628 |
| TOTAL SHARES & DEPOSITS | 101,806,273 |
| TOTAL LIABILITIES | 105,127,201 |
| Regular Reserve | 0 |
| Other Reserves | 1,650,000 |
| Undivided Earnings | 7,905,822 |
| TOTAL EQUITY | 9,555,822 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 114,683,023 |
| INCOME & EXPENSE | |
| Loan Income | 4,527,061 |
| Investment Income | 224,296 |
| Other Income | 903,568 |
| Total Employee Compensation & Benefits | 2,195,116 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,044,002 |
| Non-operating Income & (Expense) | 25,908 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 175,646 |
| Cost of Funds | 1,097,544 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,379,094 |
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