Side-by-side · Q2 2026 data
Red River Employees Federal Credit Union vs Swemp Federal 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 | Swemp Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 69 (stronger) | 65 |
| Earnings | 66 (stronger) | 42 |
| Funding & liquidity | 71 | 72 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 82nd | 52nd |
| Total assets | $1.6B | $12.9M |
| Deposits / shares | $1.3B | $10.4M |
| Capital ratio | 13.86% | 19.49% (stronger) |
| Problem loans | 0.94% (stronger) | 1.04% |
| Net charge-offs | 0.65% | 0.05% (stronger) |
| Return on assets | 1.16% (stronger) | 0.55% |
| Loans ÷ deposits | 89.5% | 88.3% (stronger) |
| Uninsured deposits | 8.1% | 4.3% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
Red River Employees Federal Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Red River Employees Federal Credit Union leads on 3 and Swemp Federal Credit Union on 4. 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.