State credit union · Warwick, Rhode Island · NCUA charter #67269
Rhode Island
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $418.5M
- Total assets
- 27,680
- Members
- 10.3%
- Net-worth ratio
Rhode Island scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $418.5M; members 27,680; net-worth ratio 10.26%; health rank #410 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#410 of 4,374 health · 2025Q4Rhode Island · health 95/100 · $418.5M · 2025Q4
Call Report peers
Rhode Island in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rhode Island vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rhode Island sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
Rhode Island vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 81.27% here, 72.20% peer average (+9.07 pp).
- Largest lag: Net Worth Ratio at 10.26% vs peer 12.11% (-1.85 pp).
Where Rhode Island sits in Rhode Island
- In Rhode Island, health place is #1 of 14 on the same NCUA-ratio sort used nationally.
- Rhode Island assets place: #6 of 14.
- Rhode Island membership ordinal: #5 of 14.
- No Rhode Island credit union scores higher; the runner-up, Pawtucket Municipal Employees (#2) scores 94/100, 1 point lower.
How Rhode Island's 5300 filing moved
Rhode Island: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $418.5M (2025Q4) to $426.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.43% → 10.26%).
At 10.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Rhode Island gives up 5 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.2 pts
Rhode Island vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.26% | -1.85 pp |
| Delinquency Rate | 0.46% | -0.43 pp |
| Return on Assets | 0.80% | +0.18 pp |
| Member Growth | 0.67% | - |
| Loan-to-Share Ratio | 81.27% | +9.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Rhode Island
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $426.8M | - |
| 2025Q4 | $418.5M | 27,680 |
| 2024Q4 | $411.1M | 27,497 |
| 2023Q4 | $400.9M | 28,007 |
Credit Union Details
- Charter Number
- 67269
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Rhode Island
- City
- Warwick
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for Rhode Island, spread across 7 cities.
| Office | City |
|---|---|
| Rhode Island Credit Union (Main Office) | Warwick, RI |
| Rhode Island Credit Union | Bristol, RI |
| Rhode Island Credit Union | Bristol, RI |
| Rhode Island Credit Union | Cranston, RI |
| Rhode Island Credit Union | Kingston, RI |
| Rhode Island Credit Union | Pascoag, RI |
| Rhode Island Credit Union | Pawtucket, RI |
| Rhode Island Credit Union | Providence, RI |
| Rhode Island Credit Union | Providence, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
More federally-insured credit unions based in Rhode Island, ordered by peer group match and asset size.
Cross-state Call Report peers for Rhode Island
Using this data
- Rhode Island ranks #410 of 4,374 nationally on financial health and #1 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ocean State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ocean State
Frequently Asked Questions
Is Rhode Island financially healthy?
Rhode Island has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #410 of 4,374 nationally on health and #1 of 14 in Rhode Island. Its net worth ratio is 10.26% and its delinquency rate 0.46%.
How does Rhode Island compare to other credit unions?
Rhode Island scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.27% vs 72.20%). Its widest shortfall is net worth ratio (10.26% vs 12.11%).
How can I join Rhode Island?
Membership eligibility for Rhode Island depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rhode Island directly for current membership requirements and application steps.
Is my money safe at Rhode Island?
Rhode Island is a state-chartered 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. Rhode Island's net worth ratio of 10.26% 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.