Side-by-side · Q2 2026 data
First State Bank vs Red River Employees Federal Credit Union
Credit union
Red River Employees Federal Credit Union
Texarkana, Texas · $1 billion – $10 billion
Metric by metric
| Measure | First State Bank | Red River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 59 | 89 (stronger) |
| Loan quality | 86 (stronger) | 69 |
| Earnings | 88 (stronger) | 66 |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 75th | 82nd |
| Total assets | $100.3M | $1.6B |
| Deposits / shares | $88.9M | $1.3B |
| Capital ratio | 10.91% | 13.86% (stronger) |
| Problem loans | 0.43% (stronger) | 0.94% |
| Net charge-offs | 0.09% (stronger) | 0.65% |
| Return on assets | 1.71% (stronger) | 1.16% |
| Loans ÷ deposits | 73.9% (stronger) | 89.5% |
| Uninsured deposits | 18.9% | 8.1% (stronger) |
| Offices | 4 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
First State Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Red River Employees Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Idabel, OK