Side-by-side · Q2 2026 data
Red River Employees Federal Credit Union vs First Service Credit Union
Credit union
Red River Employees Federal Credit Union
Texarkana, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Red River Employees Federal Credit Union | First Service Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 89 (stronger) | 59 |
| Loan quality | 69 | 79 (stronger) |
| Earnings | 66 (stronger) | 39 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 82nd | 36th |
| Total assets | $1.6B | $1.5B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 13.86% (stronger) | 10.94% |
| Problem loans | 0.94% | 0.62% (stronger) |
| Net charge-offs | 0.65% (stronger) | 0.84% |
| Return on assets | 1.16% (stronger) | 0.49% |
| Loans ÷ deposits | 89.5% (stronger) | 93.2% |
| Uninsured deposits | 8.1% (stronger) | 11.7% |
| Offices | 18 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | 11.1% |
Red River Employees Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Red River Employees Federal Credit Union leads on 6 and First Service Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.