Federal credit union · Windsor Locks, Connecticut · NCUA charter #3757
RIVERBANK
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $86.5M
- Total assets
- 4,272
- Members
- 9.3%
- Net-worth ratio
RIVERBANK scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.5M; members 4,272; net-worth ratio 9.30%; health rank #1,518 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,518 of 4,374 health · 2025Q4RIVERBANK · health 88/100 · $86.5M · 2025Q4
- DELQ 88/100
- ROA 9.3%
- ASSETS 0.48%
- MEM 0.36%
- RANK $86.5M
- PHOTO 4,272
- BOOK #1,518/4,374
- CHARTER Franklin First
- NCUSIF 3757
Call Report peers
RIVERBANK in the assets neighbourhood
RIVERBANK's $86.5M assets sit next to Franklin First ($86.5M) 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.
RIVERBANK 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
88 Top 35% higher than 65% 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
RIVERBANK - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3757: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
RIVERBANK: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.48% vs peer 0.96% (-0.49 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.44 pp (49.16% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Connecticut standing for RIVERBANK
- Health composite ranks #17 of 64 among scored Connecticut credit unions.
- By total assets, RIVERBANK is #23 of 64 in Connecticut.
- Membership ranks #27 of 64 among Connecticut CUs with a reported count (4,272 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RIVERBANK: 2025Q4 → 2026Q1
RIVERBANK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $86.5M (2025Q4) to $88.0M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.31% → 9.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 10.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -4.32 pp |
| Delinquency Rate | 0.48% | -0.49 pp |
| Return on Assets | 0.36% | -0.30 pp |
| Member Growth | 1.81% | - |
| Loan-to-Share Ratio | 49.16% | -13.44 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).
RIVERBANK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $88.0M | - |
| 2025Q4 | $86.5M | 4,272 |
| 2024Q4 | $85.1M | 4,196 |
| 2023Q4 | $84.1M | 4,227 |
Credit Union Details
- Charter Number
- 3757
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Windsor Locks
- Data Quarter
- 2025Q4
Branch Location
RIVERBANK operates a single office in Windsor Locks, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Riverbank FCU (Main Office) | Windsor Locks, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
RIVERBANK nationwide neighbourhoods
RIVERBANK's nationwide photo peers by assets and by health score, excluding Connecticut charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- RIVERBANK ranks #1,518 of 4,374 nationally on financial health and #17 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Torrington Municipal and Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Torrington Municipal and Teachers
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 RIVERBANK financially healthy?
RIVERBANK scores 88/100 (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 #1,518 of 4,374; by total assets it ranks #1,951 of 4,374 nationally (same basis as /rankings/largest); and #23 of 64 within Connecticut. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.30% net worth ratio and a 0.48% delinquency rate.
How does RIVERBANK compare to other credit unions?
PlainCU's health composite puts RIVERBANK at 88/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 RIVERBANK?
RIVERBANK 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 RIVERBANK directly for the exact boundaries and application steps.
Is my money safe at RIVERBANK?
Federal credit unions like RIVERBANK 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. RIVERBANK's net worth ratio of 9.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RIVERBANK offer compared to banks?
Credit unions like RIVERBANK 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 RIVERBANK 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.