Very spooky looking. I thought it looked like a crocodile lurking in the water.
In terms of image critic, you got the effects done just right on the image.
However, the image is a little too blue. The highlights from the water ripple turns out to be blue. A little strong for me.
The high contrast really pops the image for sure. I like it like that.
I wish there was more details from the skin of the creature immersed in water