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
- NW 82/100
- DELQ 8.2%
- ROA 0.74%
- ASSETS 0.22%
- MEM $659.3M
- RANK 40,037
- PHOTO #2,493/4,374
- BOOK INSIGHT
- CHARTER 17117
Call Report peers
R.I.A. in the assets neighbourhood
R.I.A.'s $659.3M assets sit next to INSIGHT ($659.2M) 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.
R.I.A. 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
82 43rd percentile higher than 43% 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
R.I.A. - Share Insurance Coverage
Charter #17117's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for R.I.A.
R.I.A.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $659.3M (2025Q4) to $674.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.23% → 8.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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.
Two NCUA Call Report peer sets for R.I.A., both outside Illinois 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 ($659.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 R.I.A. financially healthy?
R.I.A. scores 82/100 (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 #2,493 of 4,374; by total assets it ranks #638 of 4,374 nationally (same basis as /rankings/largest); and #18 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.23% net worth ratio and a 0.74% delinquency rate.
How does R.I.A. compare to other credit unions?
82/100 is R.I.A.'s score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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.?
Federal credit unions like R.I.A. 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. R.I.A.'s net worth ratio of 8.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does R.I.A. offer compared to banks?
Credit unions like R.I.A. 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 R.I.A. 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.