Side-by-side · Q2 2026 data
Horatio 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 | Horatio State Bank | Red River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 70 | 89 (stronger) |
| Loan quality | 61 | 69 (stronger) |
| Earnings | 68 (stronger) | 66 |
| Funding & liquidity | 66 | 71 (stronger) |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 37th | 82nd |
| Total assets | $311.5M | $1.6B |
| Deposits / shares | $275.5M | $1.3B |
| Capital ratio | 12.03% | 13.86% (stronger) |
| Problem loans | 1.18% | 0.94% (stronger) |
| Net charge-offs | 0.53% (stronger) | 0.65% |
| Return on assets | 1.20% (stronger) | 1.16% |
| Loans ÷ deposits | 94.0% | 89.5% (stronger) |
| Uninsured deposits | 13.7% | 8.1% (stronger) |
| Offices | 3 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 19.0% |
Red River Employees Federal Credit Union has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 2 and Red River Employees Federal Credit Union on 5. 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.