Rize Federal Credit Union Irwindale, California
Rize Federal Credit Union is a federal credit union headquartered in Irwindale, CA, established in 1952 (NCUA charter 7835), and it is regulated and insured by the NCUA. At Q2 2026 it reported 87,161 members and total assets of $1.29B (up 3.9% from Q2 2025), the 55th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.39% at Q2 2026, in the well capitalized band.
Also written as Rize FCU
BankRegReports is independent of Rize Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7835
- Headquarters
- Irwindale, CA
- Established
- 1952
- Total assets, Q2 2026
- $1.29B
- Assets vs Q2 2025
- +3.9%
- Members, Q2 2026
- 87,161
- Net worth ratio, Q2 2026
- 10.39%
- Latest call report
- Q2 2026, NCUA 5300 · Rize Federal Credit Union call report
- Asset rank in state
- 55th of 238 in California
- Routing number
- 322280032
- Branches
- 9
It has 11,514 more members than on June 30, 2025 (+15.2%). Its net worth ratio was up 0.16 percentage points from 10.23% on June 30, 2025. Commercial loans are its largest loan category, $273.0M of $1.03B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.39% net worth ratio is below that band's 10.89% median.
Frequently asked about Rize Federal Credit Union
How big is Rize Federal Credit Union?
At Q2 2026 it reported total assets of $1.29B and 87,161 members.
Where is Rize Federal Credit Union headquartered?
It is headquartered in Irwindale, CA, United States.
When was Rize Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Rize Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7835): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Rize Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Rize Federal Credit Union well capitalized?
Its net worth ratio was 10.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Rize Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Rize Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 97.22% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Irwindale, CA 91706
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 7835
- RSSD ID
- 161086
- Members
- 87,161
- Potential members
- 130,742
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.39% | 10.89% | 38th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | -0.23% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | -2.18% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.67% | 3.45% | 66th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 84.07% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.24% | 1.68% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.89% | 0.68% | 36th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.91% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 97.22% | 88.03% | 79th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.29B total assets against $1.25B; $1.06B total shares and deposits against $1.02B; $1.03B total loans against $931.3M.
$134.4M net worth against $127.4M.
10.39% net worth ratio against 10.23%.
97.22% loan-to-share ratio against 91.19%.
0.89% delinquency ratio against 0.55%.
-0.23% return on assets against 0.26%; -2.18% return on equity against 2.59%.
3.67% net interest margin against 3.51%.
87,161 members against 75,647.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.39% | -0.23% | 0.89% | 97.22% |
| March 31, 2026 | 10.32% | -0.33% | 0.94% | 93.58% |
| December 31, 2025 | 10.10% | 0.21% | 0.91% | 97.51% |
| September 30, 2025 | 10.21% | -0.04% | 0.64% | 93.91% |
| June 30, 2025 | 10.23% | 0.26% | 0.55% | 91.19% |
| March 31, 2025 | 10.09% | 0.44% | 0.71% | 88.29% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.