TellerScore

Richland Parish Schools Federal Credit Union is a federal credit union headquartered in Rayville, Louisiana, in business for about 49 years. At the end of Q2 2026 it reported $619K in total assets and $435K in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Richland Parish Schools Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 58th. Its strongest component is capital cushion (100/100; 29.55%), and its lowest is loan quality (0/100; 6.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.55%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.18%
Earnings100/100
Return on assets (annualized): 2.99%
Funding & liquidity100/100
Loans ÷ shares: 42.0% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.83%

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 (67 → 74), mostly because the earnings component improved by 36 points.

TellerScore
546576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202454
Q4 202476
Q1 202561
Q2 202567
Q3 202568
Q4 202554
Q1 202674
Q2 202674
Net worth ratio
7.00%20.26%33.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.48%
Q3 202431.82%
Q4 202431.91%
Q1 202532.84%
Q2 202532.85%
Q3 202533.52%
Q4 202529.36%
Q1 202630.56%
Q2 202629.55%
Delinquent loans (60+ days)
0.49%3.42%6.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.72%
Q3 20244.07%
Q4 20240.49%
Q1 20253.09%
Q2 20254.72%
Q3 20256.15%
Q4 20254.54%
Q1 20266.35%
Q2 20266.18%
Return on assets
-2.48%1.34%5.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.48%
Q3 2024-1.09%
Q4 2024-1.13%
Q1 20250.31%
Q2 20251.11%
Q3 20251.26%
Q4 2025-1.84%
Q1 20265.15%
Q2 20262.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$619K29.55%6.18%2.99%42.0%
Q1 202674$593K30.56%6.35%5.15%45.1%
Q4 202554$592K29.36%4.54%-1.84%46.7%
Q3 202568$567K33.52%6.15%1.26%55.9%
Q2 202567$572K32.85%4.72%1.11%56.2%
Q1 202561$563K32.84%3.09%0.31%59.4%
Q4 202476$578K31.91%0.49%-1.13%48.6%
Q3 202454$586K31.82%4.07%-1.09%51.5%
Q2 202465$584K31.48%1.72%-2.48%47.8%

2,479 peers · Under $100 million in assets

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 ratio29.55%
94th
Problem loans6.18%
4th
Net charge-offs-0.31%
97th
Return on assets2.99%
98th
Loans to deposits42.0%
76th
Uninsured deposits0.0%
81st
Loan-loss reserves5.69%
97th
Texas ratio5.8%
25th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Immaculate Heart of Mary Credit UnionCredit union Lafayette, LA66 out of 100, Moderate$622K31.3%32.55%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
Avenue Baptist Brotherhood Federal Credit UnionCredit union Shreveport, LA84 out of 100, Strong$601K24.6%0.00%vs
Municipal Employees Federal Credit UnionCredit union Bogalusa, LA55 out of 100, Moderate$642K42.8%8.90%vs
S T S P Federal Credit UnionCredit union Lacombe, LA68 out of 100, Moderate$779K9.4%0.62%vs
St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA85 out of 100, Very strong$455K22.7%0.49%vs

Deposit insurance

Is my money safe at Richland Parish Schools Federal Credit Union?

Yes. Richland Parish Schools Federal Credit Union is a federally insured credit union (NCUA charter #22785). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 29.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Richland Parish Schools Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Richland Parish Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
22785
RSSD ID
467180
Primary regulator
NCUA
Established
1977
Headquarters
411 Foster Street, RPSB Annex Build, Rayville, LA 71269
Employees
1

Quick answers

Richland Parish Schools Federal Credit Union: common questions

Is Richland Parish Schools Federal Credit Union NCUA insured?

Yes. Richland Parish Schools Federal Credit Union is a federally insured credit union (NCUA charter #22785). 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 Richland Parish Schools Federal Credit Union's TellerScore?

74 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 Richland Parish Schools Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rayville

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
Gibsland Bank & Trust CompanyBank Gibsland, LA81 out of 100, Strong$574.3M16.5%0.61%vs
Ouachita Valley Federal Credit UnionCredit union West Monroe, LA80 out of 100, Strong$464.1M13.1%0.78%vs
Louisiana Machinery Employees Federal Credit UnionCredit union Monroe, LA79 out of 100, Strong$3.9M22.4%0.00%vs
Century Next BankBank Ruston, LA77 out of 100, Strong$916.4M11.9%0.12%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs