ALABAMA RIVER CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.arivercu.com for more information.
Sep, 30, 2025 — ALABAMA RIVER CREDIT UNION is a federally insured state chartered credit union headquartered in MONROEVILLE, AL with 1 branch location and about $23.62 million in total assets. Opened 46 years ago in 1980, ALABAMA RIVER CREDIT UNION has about 2,097 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ALABAMA RIVER CREDIT UNION |
|---|---|
| Address: (Main Office) | PO BOX 907 MONROEVILLE, AL 36461 |
| Phone: | (251) 575-2921 |
| Fax: | (251) 575-5271 |
| Website: | https://www.arivercu.com |
| Branches: | 1 branch locations |
| Members: | 2,097 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65402 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1980 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $23,623,814 |
| CEO/Manager: | SHARON B DOWNING |
| Chairperson: | Johnny M House |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,878,645 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 596,386 |
| Other Loans | 4,687,377 |
| TOTAL LOANS | 6,018,909 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -69,962 |
| Land And Building | 1,041,103 |
| Other Fixed Assets | 106,194 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 205,672 |
| All Other Assets | 0 |
| TOTAL ASSETS | 23,623,814 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 40,720 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,101,554 |
| Regular shares | 6,504,723 |
| All Other Shares & Deposits | 11,507,219 |
| TOTAL SHARES & DEPOSITS | 21,396,416 |
| TOTAL LIABILITIES | 20,434,730 |
| Regular Reserve | 0 |
| Other Reserves | 474,651 |
| Undivided Earnings | 1,712,027 |
| TOTAL EQUITY | 2,186,678 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 22,695,974 |
| INCOME & EXPENSE | |
| Loan Income | 179,222 |
| Investment Income | 212,792 |
| Other Income | 118,412 |
| Total Employee Compensation & Benefits | 189,086 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 398,374 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 100,612 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 22,226 |
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