R.I.A. Credit Union Profile

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R.I.A.

Charter #17117 | NCUA Region 3 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (563) 355-3800

Fax: (563) 355-9680

Founding Date: N/A

Website: https://www.riafcu.com/

Personnel & Operations

President: Patterson, William

Manager: Watts, James

FT Employees: 134

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 10.58%

Membership Type: 35

Branches: 11

Hours: Monday - Thurs 9:00 - 5:00 Friday - 9:00 -

Credit Union Profile Summary

R.I.A. is a FCU Credit Union. With a total of 40,211 members ^[1], this institution manages approximately $636,141,091 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.49% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.72% ^[1].

Financial Snapshot

Total Assets ^[1]

$636,141,091

Total economic resources.

Total Loans ^[1]

$482,996,035

Total value of outstanding loans.

Total Deposits ^[1]

$592,842,249

Total funds deposited by members.

Members ^[1]

40,211

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

8.49%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.22%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

81.47%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.76%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 6.72%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -0.68%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4343 Utica Ridge Rd

Bettendorf, IA, 52722

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 11 branches reported by R.I.A. (Charter #17117).

Main Office

1 Main Office

Type: Corporate Office

Type: Branch Office

Type: Branch Office

1111 W 5th St

Wilton, IA 52778

Phone: (563) 732-3646

Services: Member Services, ATM, Drive-Thru

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