Rhode Island Credit Union
Warwick, RI·Charter 67269·cu:67269·Credit union RBC / net worth
- #6 of 14Total assets in Rhode Island
- 28.2Kmembers
- Top 3%Margin improvement in the U.S.
- Top 9%Loan growth in the U.S.
- #1 of 8Lowest cost of deposits in Rhode Island
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Rhode Island Credit Union
3 of 23 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Net interest margin widening faster than peersStrength: Earnings 2nd quarter4.01%peers 3.67%+35 bps
Rhode Island Credit Union's net interest margin on average assets rose 64 bps over the past year to 4.01%. Among 561 similar credit unions, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 4.01% | 3.67% | +35 bps |
| 12-month change | ||
| +64 bps | +13 bps | +51 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Rhode Island Credit Union itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the share base as cash fallsWorth a look: Liquidity86.2%+9.2 pp in 12 months
Rhode Island Credit Union's loans rose to 86.2% of shares and deposits, 9.2 percentage points higher than a year earlier, while cash fell to 3.4% of assets. The median change in the loan-to-share ratio among 563 similar credit unions was -0.2 pp.
| Observed | Change |
|---|---|
| Loans / shares and deposits | |
| 86.2% | +9.2 pp in 12 months |
| Cash / assets | |
| 3.4% | -2.4 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Rhode Island Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending growing while the peer median shrinksStrength: Lending 2nd quarter+20.4%peers -1.2%+21.6 pp
Rhode Island Credit Union's auto loans grew 20.4% over the past year to $169 million. The median among 563 similar credit unions was -1.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| +20.4% | -1.2% | +21.6 pp |
| Auto loans | ||
| $169 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Rhode Island Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Rhode Island Credit Union is a state-chartered credit union headquartered in Warwick, Rhode Island. It reported $425 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $375 million, up 1.5% from a year earlier, and loans totaled $324 million, up 13.7%.
- Its net interest margin on average assets was 4.01% and its annualized return on assets was 0.39% for the quarter.
- Its cost of all shares and deposits was 0.91%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 28,167 members, up 2.5% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Rhode Island Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Rhode Island Credit Union · Credit union
- NCUA charter
- 67269
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Rhode Island Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $416.81K | |
| $5.12M | |
| $858.69K | |
| $4.26M | |
| $623.61K | |
| $4.33M | |
| $139.65K | |
| $139.65K | |
| 0.39% | |
| 4.01% | |
| 88.61% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.