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.
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NCUA 5300 Call Report Masthead
#2,295 of 4,374 health · 2025Q4Blackstone River · health 83/100 · $73.2M · 2025Q4
Call Report peers
Blackstone River in the assets neighbourhood
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Blackstone River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Blackstone River sits in 80-84 with 767 others.
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
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).
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.
- One place up in Rhode Island, WAVE (#7) scores 84/100, 1 point higher; one place down, GREENWOOD (#9) ties at 83/100.
Blackstone River: 2025Q4 → 2026Q1
Blackstone River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $73.2M (2025Q4) to $75.3M (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.15% → 11.04%).
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
Blackstone River gives up 17 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Blackstone River financially healthy?
Blackstone River has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,295 of 4,374 nationally on health and #8 of 14 in Rhode Island. Its net worth ratio is 11.04% and its delinquency rate 0.87%.
How does Blackstone River compare to other credit unions?
Blackstone River scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (0.98% vs 0.66%). Its widest shortfall is loan-to-share ratio (45.58% vs 62.60%).
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?
Blackstone River is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.