Side-by-side · Q2 2026 data
State Bank of De Kalb 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 | State Bank of De Kalb | Red River Employees Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 72 | 89 (stronger) |
| Loan quality | 92 (stronger) | 69 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 54 | 71 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 82nd | 82nd |
| Total assets | $519.9M | $1.6B |
| Deposits / shares | $455.1M | $1.3B |
| Capital ratio | 12.17% | 13.86% (stronger) |
| Problem loans | 0.24% (stronger) | 0.94% |
| Net charge-offs | 0.02% (stronger) | 0.65% |
| Return on assets | 2.29% (stronger) | 1.16% |
| Loans ÷ deposits | 83.5% (stronger) | 89.5% |
| Uninsured deposits | 35.8% | 8.1% (stronger) |
| Offices | 7 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
State Bank of De Kalb has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), State Bank of De Kalb 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.
Where both have branches
- Texarkana, TX
- Atlanta, TX
- Clarksville, TX
- New Boston, TX