TellerScore

Red River Federal Credit Union is a federal credit union headquartered in Altus, Oklahoma, in business for about 69 years. At the end of Q2 2026 it reported $168.4M in total assets and $141.5M in member shares and deposits, with 3 offices.

Red River Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 16th. Loan quality contributes the most (91/100, 0.28%); funding & liquidity contributes the least (68/100, 92% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.10%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity68/100
Loans ÷ shares: 92.4% · 6.6% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.42%

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 (69 → 79), mostly because the loan quality component improved by 34 points.

TellerScore
697479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202477
Q1 202579
Q2 202569
Q3 202570
Q4 202570
Q1 202671
Q2 202679
Net worth ratio
7.00%9.61%12.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.00%
Q3 202411.22%
Q4 202411.27%
Q1 202511.34%
Q2 202511.52%
Q3 202511.79%
Q4 202512.21%
Q1 202612.02%
Q2 202612.10%
Delinquent loans (60+ days)
0.13%0.77%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.16%
Q4 20240.22%
Q1 20250.13%
Q2 20251.29%
Q3 20251.24%
Q4 20251.40%
Q1 20261.16%
Q2 20260.28%
Return on assets
1.16%1.36%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.23%
Q4 20241.26%
Q1 20251.46%
Q2 20251.45%
Q3 20251.43%
Q4 20251.47%
Q1 20261.55%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$168.4M12.10%0.28%1.55%92.4%
Q1 202671$164.0M12.02%1.16%1.55%92.2%
Q4 202570$156.7M12.21%1.40%1.47%87.8%
Q3 202570$157.1M11.79%1.24%1.43%87.3%
Q2 202569$156.0M11.52%1.29%1.45%87.4%
Q1 202579$153.4M11.34%0.13%1.46%86.7%
Q4 202477$150.0M11.27%0.22%1.26%84.3%
Q3 202477$145.7M11.22%0.16%1.23%86.0%
Q2 202477$144.0M11.00%0.17%1.16%81.1%

1,341 peers · $100 million – $1 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 ratio12.10%
59th
Problem loans0.28%
84th
Net charge-offs0.19%
72nd
Return on assets1.55%
90th
Loans to deposits92.4%
12th
Uninsured deposits6.6%
44th
Loan-loss reserves0.00%
50th
Texas ratio8.4%
19th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Focus Federal Credit UnionCredit union Oklahoma City, OK57 out of 100, Moderate$163.2M9.0%0.45%vs
Green Country Federal Credit UnionCredit union Sand Springs, OK32 out of 100, Low$155.4M8.5%2.75%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
First Family Federal Credit UnionCredit union Henryetta, OK68 out of 100, Moderate$154.4M11.6%0.62%vs
Municipal Emps CU of Oklahoma City Credit UnionCredit union Oklahoma City, OK62 out of 100, Moderate$190.5M8.8%0.17%vs
Endurance Federal Credit UnionCredit union Duncan, OK83 out of 100, Strong$196.5M13.7%0.21%vs

Deposit insurance

Is my money safe at Red River Federal Credit Union?

Yes. Red River Federal Credit Union is a federally insured credit union (NCUA charter #12082). 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 6.6% of shares and deposits ($9.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Red River Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Red River Federal Credit Union reported 73 home-loan applications under HMDA (LEI 5493001EYKX1T5YCJ737): 65 originated ($7,065,000 total), 7 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, 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 Federal Credit Union
Type
Federal credit union
NCUA charter #
12082
RSSD ID
281180
Primary regulator
NCUA
Established
1957
Headquarters
PO Box 638, Altus, OK 73522
Employees
34

Quick answers

Red River Federal Credit Union: common questions

Is Red River Federal Credit Union NCUA insured?

Yes. Red River Federal Credit Union is a federally insured credit union (NCUA charter #12082). 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 Federal Credit Union's TellerScore?

79 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 Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Altus

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Blair, OK85 out of 100, Very strong$13.9M13.0%0.00%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
Farmers & Merchants BankBank Duke, OK79 out of 100, Strong$20.5M11.3%0.00%vs
Frazer BankBank Altus, OK77 out of 100, Strong$354.3M11.2%0.00%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
Cattlemens BankBank Altus, OK68 out of 100, Moderate$595.2M10.3%0.29%vs