TellerScore

Headquartered in Universal City, Texas, Randolph-Brooks Federal Credit Union is a federal credit union with $19.6B in total assets and $15.6B in member shares and deposits as of Q2 2026. It operates 34 offices. Its charter dates back to 1952.

Randolph-Brooks Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 81% of its 25 credit unions with over $10 billion. Among 380 credit unions headquartered in Texas, it ranks 154th. Problem-loan coverage contributes the most (87/100, 6.6%); loan quality contributes the least (58/100, 1.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.42%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.27%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity77/100
Loans ÷ shares: 82.4% · 15.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.62%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
747677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202575
Q2 202576
Q3 202577
Q4 202576
Q1 202674
Q2 202676
Net worth ratio
7.00%10.21%13.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.99%
Q3 202412.45%
Q4 202412.46%
Q1 202512.31%
Q2 202512.62%
Q3 202512.88%
Q4 202512.98%
Q1 202613.18%
Q2 202613.42%
Delinquent loans (60+ days)
0.71%0.99%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20240.80%
Q4 20240.90%
Q1 20250.71%
Q2 20250.96%
Q3 20250.89%
Q4 20251.05%
Q1 20261.00%
Q2 20261.27%
Return on assets
1.02%1.25%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.46%
Q4 20241.36%
Q1 20251.15%
Q2 20251.44%
Q3 20251.48%
Q4 20251.39%
Q1 20261.02%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$19.6B13.42%1.27%1.47%82.4%
Q1 202674$19.2B13.18%1.00%1.02%82.1%
Q4 202576$19.2B12.98%1.05%1.39%84.3%
Q3 202577$18.9B12.88%0.89%1.48%85.1%
Q2 202576$18.7B12.62%0.96%1.44%85.5%
Q1 202575$18.5B12.31%0.71%1.15%84.4%
Q4 202475$18.0B12.46%0.90%1.36%86.5%
Q3 202476$17.5B12.45%0.80%1.46%87.0%
Q2 202475$17.7B11.99%0.81%1.43%87.1%

25 peers · Over $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).

Capital ratio13.42%
88th
Problem loans1.27%
29th
Net charge-offs0.76%
46th
Return on assets1.47%
83rd
Loans to deposits82.4%
71st
Uninsured deposits15.8%
13th
Loan-loss reserves0.00%
50th
Texas ratio6.6%
54th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Security Service Federal Credit UnionCredit union San Antonio, TX61 out of 100, Moderate$14.4B11.3%1.03%vs

Deposit insurance

Is my money safe at Randolph-Brooks Federal Credit Union?

Yes. Randolph-Brooks Federal Credit Union is a federally insured credit union (NCUA charter #8111). 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 15.8% of shares and deposits ($2.5B) are above the $250,000 NCUA insurance limit, above the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 13.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

34 locations

Branches

Randolph-Brooks Federal Credit Union lists 34 offices in 18 cities. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 520 consumer complaints about RANDOLPH-BROOKS FEDERAL CREDIT UNION to the company (275 in the last 12 months). 99.6% received a timely response. That is 33.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Randolph-Brooks Federal Credit Union reported 12,787 home-loan applications under HMDA (LEI 549300LU6Y2TXG48QY48): 7,141 originated ($1,107,405,000 total), 1,448 denied, and 2,679 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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
Randolph-Brooks Federal Credit Union
Type
Federal credit union
NCUA charter #
8111
RSSD ID
491381
Primary regulator
NCUA
Established
1952
Headquarters
P.O. Box 2097, Universal City, TX 78148
Employees
2,468

Quick answers

Randolph-Brooks Federal Credit Union: common questions

Is Randolph-Brooks Federal Credit Union NCUA insured?

Yes. Randolph-Brooks Federal Credit Union is a federally insured credit union (NCUA charter #8111). 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 Randolph-Brooks Federal Credit Union's TellerScore?

76 out of 100 (Strong), 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 Randolph-Brooks Federal Credit Union have?

34 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Universal City

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs