Raiz Federal Credit Union (NCUA charter #1409) is based in El Paso, Texas. Its Q2 2026 call report shows $1.1B in total assets and $850.4M in member shares and deposits and 4 offices.
Based on its Q2 2026 filing, Raiz Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 279th. Its strongest component is problem-loan coverage (81/100; 9.3%), and its lowest is capital cushion (52/100; 10.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (52 → 62), mostly because the earnings component improved by 62 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 65 |
| Q4 2024 | 60 |
| Q1 2025 | 56 |
| Q2 2025 | 52 |
| Q3 2025 | 55 |
| Q4 2025 | 50 |
| Q1 2026 | 63 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.99% |
| Q3 2024 | 12.17% |
| Q4 2024 | 11.87% |
| Q1 2025 | 11.01% |
| Q2 2025 | 10.52% |
| Q3 2025 | 10.75% |
| Q4 2025 | 9.81% |
| Q1 2026 | 9.97% |
| Q2 2026 | 10.21% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.85% |
| Q4 2024 | 1.22% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.36% |
| Q1 2025 | -1.20% |
| Q2 2025 | -1.68% |
| Q3 2025 | -0.66% |
| Q4 2025 | -0.56% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.1B | 10.21% | 0.95% | 1.05% | 101.0% |
| Q1 2026 | 63 | $1.1B | 9.97% | 0.86% | 1.01% | 98.5% |
| Q4 2025 | 50 | $1.1B | 9.81% | 0.88% | -0.56% | 99.1% |
| Q3 2025 | 55 | $1.0B | 10.75% | 0.66% | -0.66% | 97.3% |
| Q2 2025 | 52 | $1.0B | 10.52% | 0.91% | -1.68% | 93.6% |
| Q1 2025 | 56 | $1.0B | 11.01% | 0.76% | -1.20% | 88.5% |
| Q4 2024 | 60 | $997.7M | 11.87% | 1.22% | 0.36% | 94.5% |
| Q3 2024 | 65 | $990.0M | 12.17% | 0.85% | 0.34% | 95.2% |
| Q2 2024 | 63 | $998.2M | 11.99% | 0.97% | 0.34% | 97.6% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Velocity Credit UnionCredit union Austin, TX | 76 out of 100, Strong | $1.1B | 13.9% | 0.57% | vs |
| Fivepoint Credit UnionCredit union Nederland, TX | 57 out of 100, Moderate | $1.1B | 8.8% | 0.76% | vs |
| Alliance Credit UnionCredit union Lubbock, TX | 62 out of 100, Moderate | $1.1B | 10.9% | 1.07% | vs |
| Neighborhood Credit UnionCredit union Dallas, TX | 59 out of 100, Moderate | $1.1B | 10.8% | 1.54% | vs |
| Brazos Valley Schools Credit UnionCredit union Katy, TX | 68 out of 100, Moderate | $1.0B | 10.6% | 1.32% | vs |
| Houston Police Federal Credit UnionCredit union Houston, TX | 87 out of 100, Very strong | $1.0B | 16.4% | 0.70% | vs |
Deposit insurance
Is my money safe at Raiz Federal Credit Union?
Yes. Raiz Federal Credit Union is a federally insured credit union (NCUA charter #1409). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.5% of shares and deposits ($72.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Raiz Federal Credit Union lists 4 offices in 1 city. Most locations:
- El Paso, TX (4)
HMDA 2025
Mortgage lending
In 2025, Raiz Federal Credit Union reported 308 home-loan applications under HMDA (LEI 549300SLOQGL2LEMSD33): 205 originated ($33,235,000 total), 78 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Raiz Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1409
- RSSD ID
- 503172
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 12020 Rojas Dr, El Paso, TX 79936
- Employees
- 243
Quick answers
Raiz Federal Credit Union: common questions
Is Raiz Federal Credit Union NCUA insured?
Yes. Raiz Federal Credit Union is a federally insured credit union (NCUA charter #1409). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Raiz Federal Credit Union's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Raiz Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near El Paso
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Mountain Star Federal Credit UnionCredit union El Paso, TX | 83 out of 100, Strong | $46.5M | 18.4% | 0.70% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| WestStar BankBank El Paso, TX | 80 out of 100, Strong | $3.3B | 12.3% | 0.00% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |