Federal credit union · ROME, New York · NCUA charter #12624
RT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $56.6M
- Total assets
- 3,167
- Members
- 11.0%
- Net-worth ratio
RT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.6M; members 3,167; net-worth ratio 10.99%; health rank #1,294 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,294 of 4,374 health · 2025Q4RT · health 89/100 · $56.6M · 2025Q4
Call Report peers
RT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RT vs every NCUA-scored credit union
RT sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for RT
- Delinquency Rate leads the peer set - 0.26% here, 0.96% peer average (-0.70 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.50 pp (45.10% vs 62.60%).
New York standing for RT
- Health composite ranks #70 of 272 among scored New York credit unions.
- By total assets, RT is #120 of 272 in New York.
- Member book place in New York: #138 of 272.
- One place up in New York, One Credit Union of Ny (#69) ties at 89/100; one place down, People's Alliance (#71) ties at 89/100.
Quarter path for RT
RT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $56.6M (2025Q4) to $57.4M (2026Q1).
- Net-worth ratio shifted -0.29 pp (11.28% → 10.99%).
At 10.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
RT gives up 11 points in total. Return on Assets costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.9 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.99% | -2.63 pp |
| Delinquency Rate | 0.26% | -0.70 pp |
| Return on Assets | 0.16% | -0.50 pp |
| Member Growth | 4.25% | - |
| Loan-to-Share Ratio | 45.10% | -17.50 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - RT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $57.4M | - |
| 2025Q4 | $56.6M | 3,167 |
| 2024Q4 | $55.1M | 3,038 |
| 2023Q4 | $53.6M | 3,022 |
Credit Union Details
- Charter Number
- 12624
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- ROME
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, RT runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Rome, NY |
| Camden Drive-Up Facility | Camden, NY |
| Lyons Falls Branch | Lyons Falls, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for RT
Using this data
- RT ranks #1,294 of 4,374 nationally on financial health and #70 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Yonkers Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Yonkers Teachers
Frequently Asked Questions
Is RT financially healthy?
On its 2025Q4 NCUA 5300 filing, RT scores 89/100 (Excellent), with a 10.99% net worth ratio and 0.26% of loans delinquent. It ranks #1,294 of 4,374 nationally on health and #70 of 272 in New York.
How does RT compare to other credit unions?
RT scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.26% vs 0.96%). Its widest shortfall is loan-to-share ratio (45.10% vs 62.60%).
How can I join RT?
RT 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 RT directly for the exact boundaries and application steps.
Is my money safe at RT?
RT 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. RT's net worth ratio of 10.99% 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.