Side-by-side · Q2 2026 data
Shell Federal Credit Union 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 | Shell Federal Credit Union | Red River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 84 | 89 (stronger) |
| Loan quality | 76 (stronger) | 69 |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 86th | 82nd |
| Total assets | $2.1B | $1.6B |
| Deposits / shares | $1.7B | $1.3B |
| Capital ratio | 13.39% | 13.86% (stronger) |
| Problem loans | 0.71% (stronger) | 0.94% |
| Net charge-offs | 1.05% | 0.65% (stronger) |
| Return on assets | 1.40% (stronger) | 1.16% |
| Loans ÷ deposits | 89.4% (stronger) | 89.5% |
| Uninsured deposits | 6.6% (stronger) | 8.1% |
| Offices | 9 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 47.3% | 19.0% |
Shell Federal Credit Union has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Shell Federal Credit Union leads on 5 and Red River Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.