Federal credit union · Woonsocket, Rhode Island · NCUA charter #24523
Blackstone River
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $73.2M
- Total assets
- 4,297
- Members
- 11.0%
- Net-worth ratio
Blackstone River scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.2M; members 4,297; net-worth ratio 11.04%; health rank #2,295 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,295 of 4,374 health · 2025Q4Blackstone River · health 83/100 · $73.2M · 2025Q4
- MEM 83/100
- RANK 11.0%
- PHOTO 0.87%
- BOOK 0.98%
- CHARTER $73.2M
- NCUSIF 4,297
- CAMELS #2,295/4,374
- HEALTH Ely Area
- NW 24523
Call Report peers
Blackstone River in the assets neighbourhood
Blackstone River's $73.2M assets sit next to Ely Area ($73.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Blackstone River vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Blackstone River diverges from peer averages
- Largest favorable gap: Return on Assets at 0.98% vs peer 0.66% (+0.33 pp).
- Largest lag: Loan-to-Share Ratio at 45.58% vs peer 62.60% (-17.02 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Blackstone River: in-state Call Report ranks
- In Rhode Island, health place is #8 of 14 on the same NCUA-ratio sort used nationally.
- Rhode Island assets place: #10 of 14.
- Member book place in Rhode Island: #9 of 14.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Blackstone River: 2025Q4 → 2026Q1
Blackstone River: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $73.2M (2025Q4) to $75.3M (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.15% → 11.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.04% | -2.58 pp |
| Delinquency Rate | 0.87% | -0.09 pp |
| Return on Assets | 0.98% | +0.33 pp |
| Member Growth | -1.49% | - |
| Loan-to-Share Ratio | 45.58% | -17.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Blackstone River filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.3M | - |
| 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
Branch Locations (3)
Blackstone River operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Woonsocket, RI |
| Lincoln Branch Office | Lincoln, RI |
| Co-Op Shared Branch Network | Woonsocket, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M79Health
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M94Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
Cross-state Call Report peers for Blackstone River
Two NCUA Call Report peer sets for Blackstone River, both outside Rhode Island so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Blackstone River ranks #2,295 of 4,374 nationally on financial health and #8 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cranston Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cranston Municipal Employees
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,295 of 4,374; by total assets it ranks #2,097 of 4,374 nationally (same basis as /rankings/largest); and #10 of 14 within Rhode Island. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.04% 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 11.04% 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.
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.