Federal credit union · HOQUIAM, Washington · NCUA charter #16893
NEWRIZONS
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $19.3M
- Total assets
- 1,571
- Members
- 19.7%
- Net-worth ratio
NEWRIZONS scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.3M; members 1,571; net-worth ratio 19.74%; health rank #1,889 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,889 of 4,374 health · 2025Q4NEWRIZONS · health 85/100 · $19.3M · 2025Q4
- ASSETS 85/100
- MEM 19.7%
- RANK 0.42%
- PHOTO 0.62%
- BOOK $19.3M
- CHARTER 1,571
- NCUSIF #1,889/4,374
- CAMELS St. Louis Newspaper Carriers
- HEALTH 16893
Call Report peers
NEWRIZONS in the assets neighbourhood
NEWRIZONS's $19.3M assets sit next to St. Louis Newspaper Carriers ($19.3M) 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.
NEWRIZONS 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
85 Top 46% higher than 54% 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
NEWRIZONS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16893: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where NEWRIZONS diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +47.64 pp (107.44% vs 59.80%).
- Largest lag: Return on Assets at 0.62% vs peer 0.70% (-0.09 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NEWRIZONS in Washington
- Health composite ranks #39 of 75 among scored Washington credit unions.
- By total assets, NEWRIZONS is #70 of 75 in Washington.
- Member book place in Washington: #65 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
NEWRIZONS Call Report trajectory
NEWRIZONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $19.3M (2025Q4) to $19.2M (2026Q1).
- Net-worth ratio shifted +0.19 pp (19.55% → 19.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.74% | +4.88 pp |
| Delinquency Rate | 0.42% | -0.73 pp |
| Return on Assets | 0.62% | -0.09 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 107.44% | +47.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - NEWRIZONS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.2M | - |
| 2025Q4 | $19.3M | 1,571 |
| 2024Q4 | $20.9M | 1,589 |
| 2023Q4 | $22.6M | 1,629 |
Credit Union Details
- Charter Number
- 16893
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- HOQUIAM
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, NEWRIZONS runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Hoquiam, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for NEWRIZONS
Two NCUA Call Report peer sets for NEWRIZONS, both outside Washington 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 ($19.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- NEWRIZONS ranks #1,889 of 4,374 nationally on financial health and #39 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Healthcare is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Healthcare
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 NEWRIZONS financially healthy?
NEWRIZONS scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,889 of 4,374; by total assets it ranks #3,173 of 4,374 nationally (same basis as /rankings/largest); and #70 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.74% net worth ratio and a 0.42% delinquency rate.
How does NEWRIZONS compare to other credit unions?
Five weighted metrics from NCUA filings produce NEWRIZONS's 85/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 NEWRIZONS?
NEWRIZONS 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 NEWRIZONS directly for the exact boundaries and application steps.
Is my money safe at NEWRIZONS?
Federal credit unions like NEWRIZONS 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. NEWRIZONS's net worth ratio of 19.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NEWRIZONS offer compared to banks?
Credit unions like NEWRIZONS 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 NEWRIZONS 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.