TellerScore

Rio Grande Valley Credit Union (NCUA charter #61734) is based in Harlingen, Texas. Its Q2 2026 call report shows $180.1M in total assets and $159.2M in member shares and deposits and 3 offices.

Rio Grande Valley Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 185th. Funding & liquidity contributes the most (100/100, 39% loans-to-deposits, 2% uninsured); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.54%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity100/100
Loans ÷ shares: 39.2% · 2.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.70%

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 (74 → 73).

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202479
Q4 202477
Q1 202572
Q2 202574
Q3 202573
Q4 202574
Q1 202673
Q2 202673
Net worth ratio
7.00%8.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.76%
Q3 202410.33%
Q4 202410.50%
Q1 202510.02%
Q2 20259.94%
Q3 20259.87%
Q4 202510.42%
Q1 202610.27%
Q2 202610.54%
Delinquent loans (60+ days)
0.20%0.37%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.25%
Q4 20240.25%
Q1 20250.22%
Q2 20250.22%
Q3 20250.39%
Q4 20250.53%
Q1 20260.48%
Q2 20260.42%
Return on assets
0.57%1.01%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20241.45%
Q4 20241.15%
Q1 20250.57%
Q2 20250.87%
Q3 20250.94%
Q4 20251.08%
Q1 20260.90%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$180.1M10.54%0.42%0.83%39.2%
Q1 202673$181.5M10.27%0.48%0.90%39.9%
Q4 202574$175.0M10.42%0.53%1.08%42.3%
Q3 202573$178.4M9.87%0.39%0.94%44.3%
Q2 202574$171.9M9.94%0.22%0.87%44.2%
Q1 202572$165.4M10.02%0.22%0.57%49.3%
Q4 202477$155.7M10.50%0.25%1.15%56.4%
Q3 202479$157.3M10.33%0.25%1.45%58.8%
Q2 202473$156.0M9.76%0.20%0.85%56.4%

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 ratio10.54%
36th
Problem loans0.42%
72nd
Net charge-offs0.28%
59th
Return on assets0.83%
57th
Loans to deposits39.2%
96th
Uninsured deposits2.2%
88th
Loan-loss reserves0.00%
50th
Texas ratio1.7%
80th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Chemcel Federal Credit UnionCredit union Bishop, TX74 out of 100, Strong$184.0M12.1%0.75%vs
Libertyone Credit UnionCredit union Arlington, TX60 out of 100, Moderate$175.5M11.2%1.32%vs
Lone Star Credit UnionCredit union Dallas, TX65 out of 100, Moderate$188.3M8.9%0.25%vs
Government Employees Federal Credit UnionCredit union Austin, TX72 out of 100, Strong$189.4M10.7%0.83%vs
Kelly Community Federal Credit UnionCredit union Tyler, TX75 out of 100, Strong$189.4M12.6%0.82%vs

Deposit insurance

Is my money safe at Rio Grande Valley Credit Union?

Yes. Rio Grande Valley Credit Union is a federally insured credit union (NCUA charter #61734). 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 2.2% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.54%, 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

Rio Grande Valley Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rio Grande Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61734
RSSD ID
6897
Primary regulator
State + NCUA
Established
1954
Headquarters
1221 Morgan Blvd, Harlingen, TX 78550
Employees
46

Quick answers

Rio Grande Valley Credit Union: common questions

Is Rio Grande Valley Credit Union NCUA insured?

Yes. Rio Grande Valley Credit Union is a federally insured credit union (NCUA charter #61734). 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 Rio Grande Valley Credit Union's TellerScore?

73 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 Rio Grande Valley Credit Union have?

3 offices as of the latest NCUA data.