Federal credit union · RANDOLPH, Massachusetts · NCUA charter #14845
Rah
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $23.2M
- Total assets
- 1,840
- Members
- 9.1%
- Net-worth ratio
Rah - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14845: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Rah - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth36
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.12% | 30% |
| Delinquency Rate | 0.23% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | -2.02% | 15% |
| Loan-to-Share Ratio | 72.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.2M | 1,840 |
| 2024Q4 | $22.8M | 1,878 |
| 2023Q4 | $21.1M | 1,883 |
Credit Union Details
- Charter Number
- 14845
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- RANDOLPH
- Data Quarter
- 2025Q4
What This Data Says About Rah
Headquartered in RANDOLPH, Massachusetts, Rah is a federal credit union with 1,840 members, $23.2M in total assets, and $15.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 9.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #14845 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.23% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 72.88% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.62% on net income of $145K 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 -2.02%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) 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 Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
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 Rah financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Rah carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.12% net worth ratio and a 0.23% delinquency rate.
How does Rah compare to other credit unions?
PlainCU's health composite puts Rah at 88/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Rah?
Rah serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Rah directly for the current list of qualifying groups.
Is my money safe at Rah?
Federal credit unions like Rah 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. Rah's net worth ratio of 9.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rah offer compared to banks?
Credit unions like Rah 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 Rah 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.