Federal credit union · Rock Island, Illinois · NCUA charter #17117
R.I.A.
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $659.3M
- Total assets
- 40,037
- Members
- 8.2%
- Net-worth ratio
R.I.A. scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $659.3M; members 40,037; net-worth ratio 8.23%; health rank #2,493 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,493 of 4,374 health · 2025Q4R.I.A. · health 82/100 · $659.3M · 2025Q4
Call Report peers
R.I.A. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
R.I.A. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); R.I.A. sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
R.I.A.: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.14 pp (0.74% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 79.70% vs peer 83.90% (-4.20 pp).
Illinois standing for R.I.A.
- Illinois health ordinal: #113 of 192.
- By total assets, R.I.A. is #18 of 192 in Illinois.
- Member book place in Illinois: #21 of 192.
- One place up in Illinois, EMPEOPLE (#112) ties at 82/100; one place down, Kaskaskia Valley (#114) ties at 82/100.
Quarter path for R.I.A.
R.I.A.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $659.3M (2025Q4) to $674.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.23% → 8.23%).
At 8.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
R.I.A. gives up 18 points in total. Member Growth costs the most, 7 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.6 pts
- Delinquency Rate 22.6 pts
- Return on Assets 10.9 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 14.9 pts
R.I.A. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.23% | -2.95 pp |
| Delinquency Rate | 0.74% | -0.14 pp |
| Return on Assets | 0.22% | -0.28 pp |
| Member Growth | -0.53% | - |
| Loan-to-Share Ratio | 79.70% | -4.20 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $674.1M | - |
| 2025Q4 | $659.3M | 40,037 |
| 2024Q4 | $618.3M | 40,251 |
| 2023Q4 | $611.3M | 40,837 |
Credit Union Details
- Charter Number
- 17117
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Illinois
- City
- Rock Island
- Data Quarter
- 2025Q4
Branch Locations (11)
R.I.A. operates 11 offices across 10 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1 (Main Office) | Bettendorf, IA |
| 16 | Bettendorf, IA |
| 5 | Davenport, IA |
| 4 | Fort McCoy, WI |
| 10 | Milan, IL |
| 3 | Moline, IL |
| 11 | Rock Island, IL |
| 2 | Savanna, IL |
| 14 | Silvis, IL |
| 6 | Tomah, WI |
| 8 | Wilton, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near R.I.A.
Using this data
- R.I.A. ranks #2,493 of 4,374 nationally on financial health and #113 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- National Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with National Police
Frequently Asked Questions
Is R.I.A. financially healthy?
On its 2025Q4 NCUA 5300 filing, R.I.A. scores 82/100 (Excellent), with a 8.23% net worth ratio and 0.74% of loans delinquent. It ranks #2,493 of 4,374 nationally on health and #113 of 192 in Illinois.
How does R.I.A. compare to other credit unions?
R.I.A. scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.74% vs 0.87%). Its widest shortfall is loan-to-share ratio (79.70% vs 83.90%).
How can I join R.I.A.?
R.I.A. 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 R.I.A. directly for the exact boundaries and application steps.
Is my money safe at R.I.A.?
R.I.A. 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. R.I.A.'s net worth ratio of 8.23% 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.