Rhode Island

Warwick, RI · 2 · Charter #67269 · www.ricreditunion.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$418.5M
45th percentile
Members
27,680
49th percentile
Total loans
$300.9M
51th percentile
Total shares
$370.2M
48th percentile

Profitability

Return on assets
0.23%
10th percentile
Net interest margin
3.45%
50th percentile
Efficiency ratio
77.45%
2th percentile
Non-interest income ratio
12.02%
12th percentile

Capital & Risk

Net worth ratio
10.43%
43th percentile
Delinquency rate
0.46%
74th percentile
Net charge-off rate
0.30%
61th percentile
Loan-to-share
81.27%
53th percentile

Growth

Member growth YoY
0.67%
51th percentile
Asset growth YoY
1.80%
23th percentile
Loan growth YoY
7.95%
71th percentile
Share growth YoY
1.92%
26th percentile

Operations

Members / branch
3,076
18th percentile
Assets / member
$15,119
40th percentile
Field of membership penetration
13.84%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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