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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#410 of 4,374 health · 2025Q4Rhode Island · health 95/100 · $418.5M · 2025Q4
- DELQ 95/100
- ROA 10.3%
- ASSETS 0.46%
- MEM 0.80%
- RANK $418.5M
- PHOTO 27,680
- BOOK #410/4,374
- CHARTER Denver Community Cu D.B.a. Zing Cu
- NCUSIF 67269
Call Report peers
Rhode Island in the assets neighbourhood
Rhode Island's $418.5M assets sit next to Denver Community Cu D.B.a. Zing Cu ($418.2M) 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.
Rhode Island 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67269 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Rhode Island's 5300 filing moved
Rhode Island: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $418.5M (2025Q4) to $426.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.43% → 10.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Rhode Island, 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 ($418.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 Rhode Island financially healthy?
Rhode Island scores 95/100 (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 #410 of 4,374; by total assets it ranks #837 of 4,374 nationally (same basis as /rankings/largest); and #6 of 14 within Rhode Island. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.26% net worth ratio and a 0.46% delinquency rate.
How does Rhode Island compare to other credit unions?
On PlainCU's health composite, Rhode Island lands at 95/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Rhode Island 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. Rhode Island's net worth ratio of 10.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rhode Island offer compared to banks?
Credit unions like Rhode Island 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 Rhode Island 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.