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Rhode Island Credit Union Performance
How the 14 credit unions based in Rhode Island are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Rhode Island's 14 credit unions serve 506,866 members and hold $11.03B in combined assets. The median Rhode Island credit union earned a 0.44% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Rhode Island credit unions was -0.74%, compared with -0.55% nationally. Median one-year asset growth was 2.52%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Rhode Island at a glance
Rhode Island vs. the United States
System totals are the sum of every credit union in Rhode Island. The share column is Rhode Island's portion of the national figure.
| Measure | Rhode Island | United States | Rhode Island share |
|---|---|---|---|
| Credit unions | 14 | 4,335 | 0.3% |
| Members | 506,866 | 147,031,529 | 0.3% |
| Residents (population) | 1,112,308 | 340,110,988 | 0.3% |
| Total assets | $11.03B | $2,507.50B | 0.4% |
| Total loans | $9.20B | $1,744.86B | 0.5% |
| Total shares & deposits | $9.22B | $2,143.21B | 0.4% |
| Total net worth | $1.13B | $282.23B | 0.4% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Rhode Island credit unions report about 46 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Rhode Island credit unions serve members in other states, so it overstates true in-state penetration.)
The median Rhode Island credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Rhode Island CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.44% | 0.66% |
| Net worth ratio | 11.19% | 12.44% |
| Loan-to-share ratio | 83.22% | 67.86% |
| Delinquency ratio | 0.30% | 0.63% |
| Net charge-off ratio | 0.10% | 0.33% |
| Cost of funds | 1.47% | 1.05% |
| Member growth (1 yr) | -0.74% | -0.55% |
| Asset growth (1 yr) | 2.52% | 2.78% |
| Loan growth (1 yr) | 2.07% | 0.63% |
| Share growth (1 yr) | 3.54% | 2.36% |
| Net worth growth (1 yr) | 4.67% | 5.57% |
Trends over time
The median Rhode Island credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.51% · 0.72%
— Rhode Island ‑‑ U.S. (1 year not shown)
Net worth ratio 11.19% · 12.46%
— Rhode Island ‑‑ U.S.
Loan-to-share ratio 81.66% · 69.70%
— Rhode Island ‑‑ U.S.
Delinquency ratio 0.43% · 0.72%
— Rhode Island ‑‑ U.S.
Asset growth (1 yr) 2.05% · 3.26%
— Rhode Island ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -0.97% · -0.52%
— Rhode Island ‑‑ U.S. (1 year not shown)
Rhode Island leaderboards
Largest by assets
- 1 Navigant Credit Union $4.18B
- 2 Pawtucket Credit Union $3.47B
- 3 Greenwood Credit Union $924.8M
- 4 Peoples Credit Union $801.9M
- 5 Westerly Community Credit Union $511.4M
- 6 Rhode Island State Employees Credit Union $426.8M
- 7 Coventry Credit Union $351.3M
- 8 Wave Credit Union $155.0M
- 9 Cranston Municipal Employees Credit Union $78.6M
- 10 Greater Woonsocket Municipal Credit Union $75.3M
Highest return on assets
- 1 Greenwood Credit Union 1.08%
- 2 Navigant Credit Union 0.87%
- 3 Greater Woonsocket Municipal Credit Union 0.85%
- 4 Westerly Community Credit Union 0.63%
- 5 Wave Credit Union 0.60%
- 6 Pawtucket Credit Union 0.48%
- 7 Peoples Credit Union 0.23%
- 8 Rhode Island State Employees Credit Union 0.14%
- 9 Coventry Credit Union 0.13%
Fastest-growing (organic)
- 1 Greenwood Credit Union 5.62%
- 2 Navigant Credit Union 5.42%
- 3 Greater Woonsocket Municipal Credit Union 4.95%
- 4 Peoples Credit Union 3.83%
- 5 Wave Credit Union 2.88%
- 6 Westerly Community Credit Union 2.58%
- 7 Pawtucket Credit Union 2.45%
- 8 Rhode Island State Employees Credit Union 2.23%
- 9 Coventry Credit Union 0.94%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Rhode Island
10 at the end of 2016, 4 at the end of 2025.
Median figures for this group are withheld here: too few credit unions sit on one side of the $50M line for a median to describe a group rather than an institution.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Rhode Island that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.