Federal credit union · Woonsocket, Rhode Island · NCUA charter #24523
Blackstone River
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $73.2M
- Total assets
- 4,297
- Members
- 10.1%
- Net-worth ratio
Blackstone River - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24523 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Blackstone River - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)85
- Earnings (ROA)100
- Member growth42
- Liquidity (loan-to-share)67
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.08% | 30% |
| Delinquency Rate | 0.87% | 25% |
| Return on Assets | 0.98% | 15% |
| Member Growth | -1.49% | 15% |
| Loan-to-Share Ratio | 45.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $73.2M | 4,297 |
| 2024Q4 | $70.4M | 4,362 |
| 2023Q4 | $69.0M | 4,421 |
Credit Union Details
- Charter Number
- 24523
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Rhode Island
- City
- Woonsocket
- Data Quarter
- 2025Q4
What This Data Says About Blackstone River
The five-factor composite scores Blackstone River at 83/100 (Excellent), reflecting a net worth ratio of 10.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Woonsocket, Rhode Island, reports 4,297 members, $73.2M in total assets, and $29.5M in outstanding loans as of Q4 2025 under charter #24523 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 45.58% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.87% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.98% on net income of $721K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.49%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Rhode Island
A look at other Rhode Island credit unions, ranked by how closely their peer group and asset size match this one.
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
- COMMUNITY & TEACHERSEast Providence, RI · $10M–$50M85Health
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M60Health
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M68Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Blackstone River financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Blackstone River carries a financial health score of 83/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.08% net worth ratio and a 0.87% delinquency rate.
How does Blackstone River compare to other credit unions?
83/100 is Blackstone River's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Blackstone River?
Blackstone River operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Blackstone River directly for the exact boundaries and application steps.
Is my money safe at Blackstone River?
Federal credit unions like Blackstone River are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Blackstone River's net worth ratio of 10.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Blackstone River offer compared to banks?
Credit unions like Blackstone River are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Blackstone River directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.