Headquartered in Grand Junction, Colorado, Rio Grande Federal Credit Union is a federal credit union with $80.8M in total assets and $62.8M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1940.
Rio Grande Federal Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Colorado, it ranks 1st. Capital cushion contributes the most (100/100, 21.99%); earnings contributes the least (88/100, 1.71%).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (99 → 97), mostly because the earnings component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 99 |
| Q3 2024 | 100 |
| Q4 2024 | 100 |
| Q1 2025 | 99 |
| Q2 2025 | 99 |
| Q3 2025 | 97 |
| Q4 2025 | 97 |
| Q1 2026 | 94 |
| Q2 2026 | 97 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.89% |
| Q3 2024 | 20.36% |
| Q4 2024 | 20.34% |
| Q1 2025 | 20.46% |
| Q2 2025 | 21.10% |
| Q3 2025 | 20.84% |
| Q4 2025 | 21.27% |
| Q1 2026 | 21.33% |
| Q2 2026 | 21.99% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.05% |
| Q3 2024 | 2.01% |
| Q4 2024 | 1.95% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.73% |
| Q4 2025 | 1.77% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $80.8M | 21.99% | 0.03% | 1.71% | 44.4% |
| Q1 2026 | 94 | $81.6M | 21.33% | 0.35% | 1.62% | 44.3% |
| Q4 2025 | 97 | $80.3M | 21.27% | 0.08% | 1.77% | 45.5% |
| Q3 2025 | 97 | $80.1M | 20.84% | 0.05% | 1.73% | 45.8% |
| Q2 2025 | 99 | $77.6M | 21.10% | 0.00% | 1.84% | 48.7% |
| Q1 2025 | 99 | $78.3M | 20.46% | 0.01% | 1.85% | 49.8% |
| Q4 2024 | 100 | $77.0M | 20.34% | 0.00% | 1.95% | 51.1% |
| Q3 2024 | 100 | $75.1M | 20.36% | 0.04% | 2.01% | 52.8% |
| Q2 2024 | 99 | $75.0M | 19.89% | 0.06% | 2.05% | 52.1% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Columbine Federal Credit UnionCredit union Centennial, CO | 54 out of 100, Below average | $77.9M | 11.9% | 1.85% | vs |
| Northern Colorado Credit UnionCredit union Greeley, CO | 64 out of 100, Moderate | $76.3M | 10.8% | 1.08% | vs |
| Peoples Credit UnionCredit union Springfield, CO | 89 out of 100, Very strong | $75.0M | 19.4% | 0.16% | vs |
| Delta County Federal Credit UnionCredit union Delta, CO | 71 out of 100, Strong | $72.8M | 10.2% | 0.73% | vs |
| Fellowship Credit UnionCredit union Lamar, CO | 66 out of 100, Moderate | $64.6M | 11.1% | 0.86% | vs |
| San Juan Mountains Credit UnionCredit union Montrose, CO | 78 out of 100, Strong | $61.3M | 11.0% | 0.33% | vs |
Deposit insurance
Is my money safe at Rio Grande Federal Credit Union?
Yes. Rio Grande Federal Credit Union is a federally insured credit union (NCUA charter #3963). 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 8.7% of shares and deposits ($5.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 21.99%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Rio Grande Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Grand Junction, CO (2)
- Memphis, TN (1)
Identity & history
Profile
- Legal name
- Rio Grande Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 3963
- RSSD ID
- 319270
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- 760 Rood Ave, Grand Junction, CO 81501
- Employees
- 10
Quick answers
Rio Grande Federal Credit Union: common questions
Is Rio Grande Federal Credit Union NCUA insured?
Yes. Rio Grande Federal Credit Union is a federally insured credit union (NCUA charter #3963). 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 Rio Grande Federal Credit Union's TellerScore?
97 out of 100 (Very strong), 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 Rio Grande Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Grand Junction
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grand Junction Federal Credit UnionCredit union Grand Junction, CO | 83 out of 100, Strong | $115.0M | 19.7% | 0.72% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| Timberline BankBank Grand Junction, CO | 75 out of 100, Strong | $832.6M | 9.4% | 0.06% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |
| Oakstar BankBank Springfield, MO | 69 out of 100, Moderate | $3.3B | 9.8% | 0.48% | vs |