Credit Union Safety Analysis
Is R I A Federal Credit Union Safe? Bettendorf, Iowa
Based on its Q2 2026 NCUA 5300 call report, R I A Federal Credit Union has a net worth ratio of 9.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, R I A Federal Credit Union's net worth ratio is 9.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.36%
- Loan-to-share ratio (Q2 2026): 74.11%
R I A Federal Credit Union (NCUA charter 17117, established 1965) reported $749.1M in assets and 46,841 members for Q2 2026 from Bettendorf, Iowa. It ranks 9 of 65 credit unions in Iowa by total assets. Total assets grew 17.8% from $636.1M on June 30, 2025. It has 6,630 more members than on June 30, 2025 (+16.5%). Its net worth ratio was up 1.40 percentage points from 8.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $192.7M of $512.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.23% for Q1 2026; 8.49% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.60% for Q1 2026; 0.71% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.40% for Q1 2026; 0.33% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 76.85% for Q1 2026; 81.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $192.7M
- New vehicle loans: $106.7M
- Used vehicle loans: $98.4M
- Commercial loans: $54.4M
- Other unsecured loans and lines of credit: $23.7M
- Other secured non-real estate loans and lines of credit: $13.3M
- Unsecured credit card loans: $12.0M
- Non-federally guaranteed student loans: $11.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $749.1M | 9.89% | 0.70% | 0.36% | 74.11% |
| March 31, 2026 | $674.1M | 8.23% | 0.60% | 0.40% | 76.85% |
| December 31, 2025 | $659.3M | 8.23% | 0.74% | 0.40% | 79.70% |
| September 30, 2025 | $641.6M | 8.50% | 0.77% | 0.50% | 82.22% |
| June 30, 2025 | $636.1M | 8.49% | 0.71% | 0.33% | 81.47% |
| March 31, 2025 | $642.4M | 8.46% | 0.66% | 0.10% | 77.93% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
R I A Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17117) · FFIEC NIC profile (RSSD 476285)
Frequently asked questions
Is R I A Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, R I A Federal Credit Union's net worth ratio is 9.89%, above the 7% NCUA threshold for well capitalized.
Is R I A Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. R I A Federal Credit Union is a federally insured credit union (NCUA charter 17117): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are R I A Federal Credit Union's key safety ratios?
For Q2 2026, R I A Federal Credit Union reports net worth 9.89%, delinquency 0.70%, ROA 0.36%, loan-to-share 74.11%.
What happens to my money if R I A Federal Credit Union fails?
For Q2 2026, R I A Federal Credit Union held $692.1M in shares and deposits for 46,841 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.