Side-by-side · Q2 2026 data
Red River Employees Federal Credit Union vs United Heritage 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 | United Heritage Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 89 (stronger) | 49 |
| Loan quality | 69 (stronger) | 59 |
| Earnings | 66 (stronger) | 40 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 89 (stronger) | 81 |
| Peer percentile | 82nd | 15th |
| Total assets | $1.6B | $1.7B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 13.86% (stronger) | 9.87% |
| Problem loans | 0.94% (stronger) | 1.22% |
| Net charge-offs | 0.65% | 0.44% (stronger) |
| Return on assets | 1.16% (stronger) | 0.51% |
| Loans ÷ deposits | 89.5% (stronger) | 92.8% |
| Uninsured deposits | 8.1% | 6.8% (stronger) |
| Offices | 18 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | 32.8% |
Red River Employees Federal Credit Union has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Red River Employees Federal Credit Union leads on 5 and United Heritage Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.