Federal credit union · Grand Junction, Colorado · NCUA charter #3963
Rio Grande
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $80.3M
- Total assets
- 5,064
- Members
- 21.3%
- Net-worth ratio
Rio Grande scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.3M; members 5,064; net-worth ratio 21.33%; health rank #877 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#877 of 4,374 health · 2025Q4Rio Grande · health 91/100 · $80.3M · 2025Q4
- CAMELS 91/100
- HEALTH 21.3%
- NW 0.08%
- DELQ 1.86%
- ROA $80.3M
- ASSETS 5,064
- MEM #877/4,374
- RANK NIKKEI
- PHOTO 3963
Call Report peers
Rio Grande in the assets neighbourhood
Rio Grande's $80.3M assets sit next to NIKKEI ($80.2M) 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.
Rio Grande 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
91 Top 23% higher than 77% 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 Grande - Share Insurance Coverage
Charter #3963'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.
Where Rio Grande diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +7.71 pp (21.33% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 45.53% vs peer 62.60% (-17.07 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Rio Grande sits in Colorado
- Colorado health ordinal: #14 of 66.
- Assets rank #39 of 66 inside Colorado ($80.3M reported).
- Membership ranks #40 of 66 among Colorado CUs with a reported count (5,064 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.
How Rio Grande's 5300 filing moved
Rio Grande: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $80.3M (2025Q4) to $81.6M (2026Q1).
- Net-worth ratio shifted +0.06 pp (21.27% → 21.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 9.6 pts
Call Report ratios for Rio Grande
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.33% | +7.71 pp |
| Delinquency Rate | 0.08% | -0.89 pp |
| Return on Assets | 1.86% | +1.21 pp |
| Member Growth | 1.97% | - |
| Loan-to-Share Ratio | 45.53% | -17.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.6M | - |
| 2025Q4 | $80.3M | 5,064 |
| 2024Q4 | $77.0M | 4,966 |
| 2023Q4 | $74.9M | 5,036 |
Credit Union Details
- Charter Number
- 3963
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Grand Junction
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Rio Grande, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Rio Grande FCU (Main Office) | Grand Junction, CO |
| Grand Junction Federal CU | Grand Junction, CO |
| Share One Systems Inc | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Cross-state Call Report peers for Rio Grande
Rio Grande's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Rio Grande ranks #877 of 4,374 nationally on financial health and #14 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COLUMBINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COLUMBINE
- 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 Grande financially healthy?
Rio Grande has a financial health score of 91/100 (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 #877 of 4,374; by total assets it ranks #2,012 of 4,374 nationally (same basis as /rankings/largest); and #39 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 21.33% and delinquency rate of 0.08%.
How does Rio Grande compare to other credit unions?
Rio Grande scores 91/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Rio Grande?
Rio Grande 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 Grande directly for the exact boundaries and application steps.
Is my money safe at Rio Grande?
Federal credit unions like Rio Grande 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 Grande's net worth ratio of 21.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rio Grande offer compared to banks?
Credit unions like Rio Grande 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 Grande 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.