You are correct indeed! Basically, considering the available information, Cooper probably landed as a no-pull within just a few feet of the Columbia River water.
The money location was about 10-14 feet above sea level based on some of the pictures of the agents digging. And Ckret and others have suggested that it was protected in some manner until if was buried. This would require a landing on solid ground for Cooper.
How high was the Columbia River surface on the night of the hijacking? The surface was typically 5 to 7 feet above sea level with about a 1 to 2 foot daily variation due to tidal effects from the Pacific Ocean which was about 90 to 95 miles away. And when did the river surface make it up to at least 10-14 feet? That would have been the first time the money could have moved to Tina Bar.
Admittedly, the money could have moved downhill by water entering the Columbia but the highest land point in the Tina Bar area (between the river and the NW Lower River Road which was built on top of a levee) was only about 20 to 25 feet above sea level.
Maybe Georger has been able to get the 1971 to 1974 Columbia River water levels data from that obscure library in Montana or where ever it is located.