Credit union · NCUA insured
Blackstone River FCU
A $75.3M credit union headquartered in Woonsocket, RI, with 4,290 members and 3 branches in Rhode Island. Best rates: CDs 3.04% and savings 0.10% APY.
Blackstone River FCU Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#19 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Blackstone River FCU
Blackstone River Federal Credit Union was chartered in 1961 by members of the Woonsocket Teachers Union expressly for Woonsocket teachers.
Formerly Greater Woonsocket Municipal Federal, it merged with Lincoln Town Employees Federal Credit Union in 2005 and adopted its current name.
Headquartered in Woonsocket, Rhode Island, the credit union operates branches in Woonsocket and Lincoln.
Operating under a community charter, it serves individuals who live, work, worship, or attend school across twelve Rhode Island municipalities.
- Headquarters
- 10 Monument Sq, Woonsocket, RI 02895
- NCUA charter
- 24523
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Burrillville, Central Falls, Cumberland, Foster, Glocester, Lincoln, North Providence, North Smithfield, Pawtucket, Scituate, Smithfield, or Woonsocket, Rhode Island.
Branches
3 branches in Rhode Island
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Rhode Island
3 branches
- Main OfficeMain office10 Monument Sq, Woonsocket, RI 02895Directions
- Lincoln Branch Office100 Old River Rd, Lincoln, RI 02865Directions
- Co-Op Shared Branch Network10 Monument Sq, Woonsocket, RI 02895Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.40% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.06% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $47 | $59 | — |
- CapitalNet worth ratio11.40%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.06%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$47Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Blackstone River FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.