State credit union · Albuquerque, New Mexico · NCUA charter #62573
Rio Grande
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $653.5M
- Total assets
- 50,032
- Members
- 8.9%
- Net-worth ratio
Rio Grande scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $653.5M; members 50,032; net-worth ratio 8.90%; health rank #3,550 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,550 of 4,374 health · 2025Q4Rio Grande · health 71/100 · $653.5M · 2025Q4
- RANK 71/100
- PHOTO 8.9%
- BOOK 1.35%
- CHARTER -1.44%
- NCUSIF $653.5M
- CAMELS 50,032
- HEALTH #3,550/4,374
- NW ENVISTA
- DELQ 62573
Call Report peers
Rio Grande in the assets neighbourhood
Rio Grande's $653.5M assets sit next to ENVISTA ($654.7M) 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
71 18th percentile higher than 18% 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 #62573'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
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.67 pp (66.23% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for Rio Grande
- In New Mexico, health place is #30 of 37 on the same NCUA-ratio sort used nationally.
- By total assets, Rio Grande is #9 of 37 in New Mexico.
- Member book place in New Mexico: #9 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rio Grande: 2025Q4 → 2026Q1
Rio Grande: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $653.5M (2025Q4) to $665.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.98% → 8.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 17.4 pts
- Return on Assets 0.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.6 pts
Rio Grande health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.90% | -2.28 pp |
| Delinquency Rate | 1.35% | +0.47 pp |
| Return on Assets | -1.44% | -1.95 pp |
| Member Growth | 2.27% | - |
| Loan-to-Share Ratio | 66.23% | -17.67 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).
Call Report history - Rio Grande
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $665.9M | - |
| 2025Q4 | $653.5M | 50,032 |
| 2024Q4 | $677.3M | 48,920 |
| 2023Q4 | $611.9M | 47,067 |
Credit Union Details
- Charter Number
- 62573
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Albuquerque
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Rio Grande runs 8 offices in 2 different cities.
| Office | City |
|---|---|
| Emerald (Main Office) | Albuquerque, NM |
| Rio Bravo | Albuquerque, NM |
| Marble | Albuquerque, NM |
| Downtown | Albuquerque, NM |
| Westside | Albuquerque, NM |
| Lomas | Albuquerque, NM |
| Montgomery | Albuquerque, NM |
| Cabezon | Rio Rancho, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Rio Grande - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($653.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Rio Grande ranks #3,550 of 4,374 nationally on financial health and #30 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OTERO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OTERO
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico 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 scores 71/100 (Very Good) 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 #3,550 of 4,374; by total assets it ranks #645 of 4,374 nationally (same basis as /rankings/largest); and #9 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.90% net worth ratio and a 1.35% delinquency rate.
How does Rio Grande compare to other credit unions?
On PlainCU's health composite, Rio Grande lands at 71/100, compared to a peer group average for Over $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 Rio Grande?
Membership eligibility for Rio Grande depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rio Grande directly for current membership requirements 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 8.90% 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.