TellerScore

Rhode Island Credit Union (NCUA charter #67269) is based in Warwick, Rhode Island. Its Q2 2026 call report shows $425.1M in total assets and $375.1M in member shares and deposits and 9 offices.

Based on its Q2 2026 filing, Rhode Island Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 11th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (31/100; 0.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.40%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings31/100
Return on assets (annualized): 0.26%
Funding & liquidity74/100
Loans ÷ shares: 86.2% · 5.8% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.83%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
637281Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202476
Q4 202471
Q1 202565
Q2 202565
Q3 202565
Q4 202563
Q1 202665
Q2 202665
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.81%
Q3 202410.81%
Q4 202410.64%
Q1 202510.49%
Q2 202510.53%
Q3 202510.69%
Q4 202510.43%
Q1 202610.26%
Q2 202610.40%
Delinquent loans (60+ days)
0.17%0.31%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.22%
Q4 20240.41%
Q1 20250.34%
Q2 20250.40%
Q3 20250.36%
Q4 20250.46%
Q1 20260.31%
Q2 20260.38%
Return on assets
0.03%0.85%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.14%
Q4 20240.82%
Q1 20250.06%
Q2 20250.08%
Q3 20250.03%
Q4 20250.03%
Q1 20260.13%
Q2 20260.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$425.1M10.40%0.38%0.26%86.2%
Q1 202665$426.8M10.26%0.31%0.13%82.1%
Q4 202563$418.5M10.43%0.46%0.03%81.3%
Q3 202565$410.1M10.69%0.36%0.03%79.0%
Q2 202565$416.9M10.53%0.40%0.08%77.0%
Q1 202565$417.5M10.49%0.34%0.06%76.3%
Q4 202471$411.1M10.64%0.41%0.82%76.7%
Q3 202476$407.8M10.81%0.22%1.14%77.5%
Q2 202481$407.1M10.81%0.17%1.68%77.5%

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 ratio10.40%
35th
Problem loans0.38%
76th
Net charge-offs0.22%
68th
Return on assets0.26%
15th
Loans to deposits86.2%
25th
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio2.8%
64th

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Ocean State Credit UnionCredit union Coventry, RI53 out of 100, Below average$350.7M11.4%1.55%vs
Westerly Community Credit UnionCredit union Wakefield, RI66 out of 100, Moderate$519.9M9.4%0.21%vs
Wave Federal Credit UnionCredit union Warwick, RI71 out of 100, Strong$156.8M12.3%0.93%vs
The Peoples Credit UnionCredit union Middletown, RI59 out of 100, Moderate$811.2M10.0%0.57%vs
Greenwood Credit UnionCredit union Warwick, RI67 out of 100, Moderate$957.3M10.1%0.48%vs

Deposit insurance

Is my money safe at Rhode Island Credit Union?

Yes. Rhode Island Credit Union is a federally insured credit union (NCUA charter #67269). 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 5.8% of shares and deposits ($21.9M) 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 10.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Rhode Island Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rhode Island Credit Union reported 528 home-loan applications under HMDA (LEI 5493001B4TX233UP4J06): 306 originated ($31,620,000 total), 181 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.6%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa—$0$351.0%

All Rhode Island Credit Union card terms

Identity & history

Profile

Legal name
Rhode Island Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67269
RSSD ID
222893
Primary regulator
State + NCUA
Established
1946
Headquarters
95 Jefferson Blvd, Warwick, RI 02888
Employees
84

Quick answers

Rhode Island Credit Union: common questions

Is Rhode Island Credit Union NCUA insured?

Yes. Rhode Island Credit Union is a federally insured credit union (NCUA charter #67269). 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 Rhode Island Credit Union's TellerScore?

65 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 Rhode Island Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Warwick

InstitutionScoreAssetsCapitalProblem loansCompare
Natco Employees Federal Credit UnionCredit union West Warwick, RI93 out of 100, Very strong$208K17.4%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs