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
- HEALTH 89/100
- NW 11.0%
- DELQ 0.26%
- ROA 0.16%
- ASSETS $56.6M
- MEM 3,167
- RANK #1,294/4,374
- PHOTO Greater Eastern
- BOOK 12624
Call Report peers
RT in the assets neighbourhood
RT's $56.6M assets sit next to Greater Eastern ($56.5M) 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.
RT 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
89 Top 31% higher than 69% 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
RT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12624, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for RT
RT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $56.6M (2025Q4) to $57.4M (2026Q1).
- Net-worth ratio shifted -0.29 pp (11.28% → 10.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
Cross-state asset and health neighbours for RT - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($56.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 RT financially healthy?
RT has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,294 of 4,374; by total assets it ranks #2,305 of 4,374 nationally (same basis as /rankings/largest); and #120 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.99% and delinquency rate of 0.26%.
How does RT compare to other credit unions?
89/100 is RT's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like RT 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. RT's net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RT offer compared to banks?
Credit unions like RT 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 RT 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.