TellerScore

R.I.A. Federal Credit Union (NCUA charter #17117) is based in Rock Island, Illinois. Its Q2 2026 call report shows $749.1M in total assets and $692.1M in member shares and deposits and 11 offices across 3 states.

R.I.A. Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 150th. Problem-loan coverage contributes the most (87/100, 6.5%); earnings contributes the least (34/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.89%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 5.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (56 → 62), mostly because the capital cushion component improved by 14 points.

TellerScore
545862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202456
Q4 202454
Q1 202556
Q2 202556
Q3 202555
Q4 202555
Q1 202658
Q2 202662
Net worth ratio
7.00%8.45%9.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.74%
Q3 20248.84%
Q4 20248.53%
Q1 20258.46%
Q2 20258.49%
Q3 20258.50%
Q4 20258.23%
Q1 20268.23%
Q2 20269.89%
Delinquent loans (60+ days)
0.60%0.76%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.80%
Q4 20240.92%
Q1 20250.66%
Q2 20250.71%
Q3 20250.77%
Q4 20250.74%
Q1 20260.60%
Q2 20260.70%
Return on assets
0.10%0.25%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.25%
Q4 20240.24%
Q1 20250.10%
Q2 20250.22%
Q3 20250.31%
Q4 20250.32%
Q1 20260.40%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$749.1M9.89%0.70%0.36%74.1%
Q1 202658$674.1M8.23%0.60%0.40%76.9%
Q4 202555$659.3M8.23%0.74%0.32%79.7%
Q3 202555$641.6M8.50%0.77%0.31%82.2%
Q2 202556$636.1M8.49%0.71%0.22%81.5%
Q1 202556$642.4M8.46%0.66%0.10%77.9%
Q4 202454$618.3M8.53%0.92%0.24%80.4%
Q3 202456$607.3M8.84%0.80%0.25%81.8%
Q2 202456$619.1M8.74%0.88%0.30%77.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.89%
26th
Problem loans0.70%
49th
Net charge-offs0.75%
18th
Return on assets0.36%
22nd
Loans to deposits74.1%
54th
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
University of Illinois Community Credit UnionCredit union Champaign, IL67 out of 100, Moderate$765.5M9.9%0.57%vs
National Police Federal Credit UnionCredit union Chicago, IL63 out of 100, Moderate$620.7M8.9%0.77%vs
Financial Plus Credit UnionCredit union Ottawa, IL84 out of 100, Strong$607.4M13.2%0.45%vs
Dupage Credit UnionCredit union Naperville, IL62 out of 100, Moderate$600.2M9.6%0.48%vs
Siu Credit UnionCredit union Carbondale, IL72 out of 100, Strong$591.3M11.6%0.90%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs

Deposit insurance

Is my money safe at R.I.A. Federal Credit Union?

Yes. R.I.A. Federal Credit Union is a federally insured credit union (NCUA charter #17117). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($36.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

R.I.A. Federal Credit Union lists 11 offices in 10 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, R.I.A. Federal Credit Union reported 447 home-loan applications under HMDA (LEI 254900M3DBBSBUPR5L27): 284 originated ($40,370,000 total), 99 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
R.I.A. Federal Credit Union
Type
Federal credit union
NCUA charter #
17117
RSSD ID
476285
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 4750, Rock Island, IL 61204
Employees
177

Quick answers

R.I.A. Federal Credit Union: common questions

Is R.I.A. Federal Credit Union NCUA insured?

Yes. R.I.A. Federal Credit Union is a federally insured credit union (NCUA charter #17117). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is R.I.A. Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does R.I.A. Federal Credit Union have?

11 offices as of the latest NCUA data, in 3 states.

Nearby

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