Federal credit union · EL MONTE, California · NCUA charter #7835
Rize
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.27B
- Total assets
- 80,460
- Members
- 7.9%
- Net-worth ratio
Rize - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7835 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Rize - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)83
- Earnings (ROA)84
- Member growth100
- Liquidity (loan-to-share)77
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.87% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | 0.34% | 15% |
| Member Growth | 10.94% | 15% |
| Loan-to-Share Ratio | 97.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.27B | 80,460 |
| 2024Q4 | $1.20B | 72,528 |
| 2023Q4 | $1.07B | 67,440 |
Credit Union Details
- Charter Number
- 7835
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- EL MONTE
- Data Quarter
- 2025Q4
What This Data Says About Rize
Headquartered in EL MONTE, California, Rize is a federal credit union with 80,460 members, $1.27B in total assets, and $997.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 7.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #7835 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.91% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 97.51% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.34% on net income of $4.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 10.94%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Rize financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Rize carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.87% net worth ratio and a 0.91% delinquency rate.
How does Rize compare to other credit unions?
Rize scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Rize?
Rize 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 Rize directly for the exact boundaries and application steps.
Is my money safe at Rize?
Federal credit unions like Rize 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. Rize's net worth ratio of 7.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rize offer compared to banks?
Credit unions like Rize 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 Rize directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.