Federal credit union · Rangely, Colorado · NCUA charter #13161
Rio Blanco Schools
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $9.1M
- Total assets
- 775
- Members
- 16.4%
- Net-worth ratio
Rio Blanco Schools scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.1M; members 775; net-worth ratio 16.39%; health rank #2,395 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,395 of 4,374 health · 2025Q4Rio Blanco Schools · health 82/100 · $9.1M · 2025Q4
- PHOTO 82/100
- BOOK 16.4%
- CHARTER 2.04%
- NCUSIF 0.66%
- CAMELS $9.1M
- HEALTH 775
- NW #2,395/4,374
- DELQ n/a
- ROA 13161
Call Report peers
Rio Blanco Schools carries $9.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rio Blanco Schools 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
Rio Blanco Schools - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13161. See our deposit-insurance coverage note.
Where Rio Blanco Schools diverges from peer averages
- Largest favorable gap: Return on Assets at 0.66% vs peer 0.45% (+0.21 pp).
- Net Worth Ratio trails the peer set - 16.39% here, 19.06% peer average (-2.67 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for Rio Blanco Schools
- Health composite ranks #34 of 66 among scored Colorado credit unions.
- Colorado assets place: #55 of 66.
- Membership ranks #59 of 66 among Colorado CUs with a reported count (775 members).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rio Blanco Schools: 2025Q4 → 2026Q1
Rio Blanco Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $9.1M (2025Q4) to $9.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (16.55% → 16.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Rio Blanco Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.39% | -2.67 pp |
| Delinquency Rate | 2.04% | +0.23 pp |
| Return on Assets | 0.66% | +0.21 pp |
| Member Growth | 2.24% | - |
| Loan-to-Share Ratio | 61.69% | -1.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Rio Blanco Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.2M | - |
| 2025Q4 | $9.1M | 775 |
| 2024Q4 | $7.9M | 758 |
| 2023Q4 | $7.6M | 780 |
Credit Union Details
- Charter Number
- 13161
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- Rangely
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Rio Blanco Schools, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Rio Blanco Schools Federal Credit Union (Main Office) | Rangely, CO |
| CU*Answers | Grand Rapids, MI |
| Rio Blanco Schools Federal Credit Union | Meeker, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Rio Blanco Schools nationwide neighbourhoods
Rio Blanco Schools's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Rio Blanco Schools ranks #2,395 of 4,374 nationally on financial health and #34 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Thirteen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Thirteen
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 Rio Blanco Schools financially healthy?
Rio Blanco Schools has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,395 of 4,374; by total assets it ranks #3,604 of 4,374 nationally (same basis as /rankings/largest); and #55 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.39% and delinquency rate of 2.04%.
How does Rio Blanco Schools compare to other credit unions?
82/100 is Rio Blanco Schools's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Rio Blanco Schools?
Rio Blanco Schools 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 Rio Blanco Schools directly for the exact boundaries and application steps.
Is my money safe at Rio Blanco Schools?
Federal credit unions like Rio Blanco Schools 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. Rio Blanco Schools's net worth ratio of 16.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rio Blanco Schools offer compared to banks?
Credit unions like Rio Blanco Schools 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 Rio Blanco Schools 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.