TellerScore

Red River Employees Federal Credit Union is a federal credit union headquartered in Texarkana, Texas, in business for about 83 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.3B in member shares and deposits, with 18 offices across 4 states.

Based on its Q2 2026 filing, Red River Employees Federal Credit Union scores 77/100, which we describe as strong. That is higher than 82% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 143rd. Its strongest component is capital cushion (89/100; 13.86%), and its lowest is earnings (66/100; 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.86%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity71/100
Loans ÷ shares: 89.5% · 8.1% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.61%

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 7 points (70 → 77), mostly because the earnings component improved by 17 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202467
Q1 202573
Q2 202570
Q3 202572
Q4 202575
Q1 202677
Q2 202677
Net worth ratio
7.00%10.43%13.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.03%
Q3 202413.16%
Q4 202413.07%
Q1 202513.09%
Q2 202513.11%
Q3 202513.19%
Q4 202513.36%
Q1 202613.48%
Q2 202613.86%
Delinquent loans (60+ days)
0.56%0.89%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20241.03%
Q4 20241.21%
Q1 20250.63%
Q2 20251.05%
Q3 20250.93%
Q4 20250.89%
Q1 20260.56%
Q2 20260.94%
Return on assets
0.65%0.90%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.71%
Q4 20240.66%
Q1 20250.65%
Q2 20250.71%
Q3 20250.83%
Q4 20250.97%
Q1 20260.91%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.6B13.86%0.94%1.16%89.5%
Q1 202677$1.6B13.48%0.56%0.91%86.1%
Q4 202575$1.6B13.36%0.89%0.97%86.4%
Q3 202572$1.6B13.19%0.93%0.83%86.5%
Q2 202570$1.5B13.11%1.05%0.71%86.2%
Q1 202573$1.5B13.09%0.63%0.65%87.1%
Q4 202467$1.5B13.07%1.21%0.66%90.1%
Q3 202470$1.5B13.16%1.03%0.71%88.9%
Q2 202471$1.5B13.03%0.98%0.78%86.1%

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).

Capital ratio13.86%
87th
Problem loans0.94%
30th
Net charge-offs0.65%
34th
Return on assets1.16%
77th
Loans to deposits89.5%
45th
Uninsured deposits8.1%
60th
Loan-loss reserves0.00%
50th
Texas ratio5.6%
40th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Firstlight Federal Credit UnionCredit union El Paso, TX68 out of 100, Moderate$1.6B10.3%0.48%vs
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
Amoco Federal Credit UnionCredit union Texas City, TX55 out of 100, Moderate$1.5B9.2%0.93%vs
United Heritage Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.7B9.9%1.22%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs

Deposit insurance

Is my money safe at Red River Employees Federal Credit Union?

Yes. Red River Employees Federal Credit Union is a federally insured credit union (NCUA charter #5029). 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 8.1% of shares and deposits ($107.9M) 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 13.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Red River Employees Federal Credit Union lists 18 offices in 12 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Red River Employees Federal Credit Union reported 501 home-loan applications under HMDA (LEI 549300EAO0HUFDR48U74): 380 originated ($66,240,000 total), 89 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.0%, 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
Red River Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
5029
RSSD ID
699178
Primary regulator
NCUA
Established
1943
Headquarters
PO Box 5909, Texarkana, TX 75505
Employees
378

Quick answers

Red River Employees Federal Credit Union: common questions

Is Red River Employees Federal Credit Union NCUA insured?

Yes. Red River Employees Federal Credit Union is a federally insured credit union (NCUA charter #5029). 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 Red River Employees Federal Credit Union's TellerScore?

77 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 Red River Employees Federal Credit Union have?

18 offices as of the latest NCUA data, in 4 states.