Blackstone River Federal Credit Union
Total assets
$75.3M
▲ +4.9% YoY
Shares & deposits
$66.8M
▲ +4.5% YoY
Loans
$29.3M
▲ +6.0% YoY
Members
4,290
▼ -1.3% YoY
ROA (annualized)
0.83%
peers 0.60%
ROE (annualized)
7.51%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +6.0% | -2.4% | +8.4 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 10 Monument Sq, Woonsocket, RI, 02895
- NCUA charter #
- 24523
- RSSD ID
- 584199
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.3M | $66.8M | $29.3M | $8.3M | $156K | 0.83% | 3.57% | 0.88% | 4,290 |
| Q4 2025 | $73.2M | $64.8M | $29.5M | $8.2M | $616K | 0.84% | 3.42% | 0.87% | 4,297 |
| Q3 2025 | $70.8M | $62.4M | $28.9M | $8.2M | $614K | 1.16% | 3.72% | 1.28% | 4,327 |
| Q2 2025 | $72.0M | $63.8M | $28.0M | $8.0M | $430K | 1.19% | 3.66% | 1.12% | 4,362 |
| Q1 2025 | $71.8M | $63.9M | $27.6M | $7.7M | $173K | 0.96% | 3.54% | 0.35% | 4,346 |
| Q4 2024 | $70.4M | $62.7M | $27.1M | $7.5M | $721K | 1.02% | 3.38% | 0.34% | 4,362 |
| Q3 2024 | $70.0M | $62.5M | $27.6M | $7.5M | $640K | 1.22% | 3.50% | 0.41% | 4,404 |
| Q2 2024 | $71.1M | $63.5M | $27.6M | $7.2M | $415K | 1.17% | 3.41% | 0.63% | 4,426 |
Loan mix (Q1 2026): real estate $9.6M · commercial $0 · consumer $19.5M · securities $32.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 81.5% | 41th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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