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.
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NCUA 5300 Call Report Masthead
#1,518 of 4,374 health · 2025Q4RIVERBANK · health 88/100 · $86.5M · 2025Q4
Call Report peers
RIVERBANK in the assets neighbourhood
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
RIVERBANK sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Connecticut, Healthcare Financial (#16) ties at 88/100; one place down, New Haven Teachers (#18) scores 87/100, 1 point lower.
RIVERBANK: 2025Q4 → 2026Q1
RIVERBANK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $86.5M (2025Q4) to $88.0M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.31% → 9.30%).
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
RIVERBANK gives up 12 points in total. Loan-to-Share Ratio costs the most, 4.6 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is RIVERBANK financially healthy?
On its 2025Q4 NCUA 5300 filing, RIVERBANK scores 88/100 (Excellent), with a 9.30% net worth ratio and 0.48% of loans delinquent. It ranks #1,518 of 4,374 nationally on health and #17 of 64 in Connecticut.
How does RIVERBANK compare to other credit unions?
RIVERBANK scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.48% vs 0.96%). Its widest shortfall is loan-to-share ratio (49.16% vs 62.60%).
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?
RIVERBANK is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.