TellerScore

River Region Federal Credit Union is a federal credit union headquartered in Lutcher, Louisiana, in business for about 66 years. At the end of Q2 2026 it reported $42.0M in total assets and $33.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, River Region Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 76th. Its strongest component is capital cushion (100/100; 19.63%), and its lowest is loan quality (21/100; 2.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.63%
Loan quality21/100
Loans 60+ days delinquent ÷ total loans: 2.38%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 26.9% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.62%

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

From Q2 2025 to Q2 2026, the score fell 7 points (75 → 68), mostly because the loan quality component weakened by 19 points.

TellerScore
657686Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202486
Q4 202485
Q1 202576
Q2 202575
Q3 202576
Q4 202571
Q1 202668
Q2 202668
Net worth ratio
7.00%13.50%20.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202419.65%
Q3 202419.85%
Q4 202419.56%
Q1 202519.06%
Q2 202519.18%
Q3 202519.74%
Q4 202520.00%
Q1 202619.20%
Q2 202619.63%
Delinquent loans (60+ days)
0.84%3.36%5.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20245.87%
Q3 20240.84%
Q4 20240.89%
Q1 20251.78%
Q2 20251.80%
Q3 20251.84%
Q4 20252.41%
Q1 20261.84%
Q2 20262.38%
Return on assets
0.00%0.58%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.93%
Q3 20241.16%
Q4 20241.06%
Q1 20250.93%
Q2 20250.78%
Q3 20250.94%
Q4 20250.95%
Q1 20260.00%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$42.0M19.63%2.38%0.47%26.9%
Q1 202668$42.4M19.20%1.84%0.00%26.7%
Q4 202571$40.7M20.00%2.41%0.95%28.2%
Q3 202576$40.8M19.74%1.84%0.94%28.1%
Q2 202575$41.3M19.18%1.80%0.78%28.6%
Q1 202576$41.2M19.06%1.78%0.93%28.3%
Q4 202485$39.7M19.56%0.89%1.06%29.5%
Q3 202486$38.7M19.85%0.84%1.16%30.4%
Q2 202465$38.3M19.65%5.87%0.93%33.1%

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 ratio19.63%
76th
Problem loans2.38%
17th
Net charge-offs0.04%
64th
Return on assets0.47%
40th
Loans to deposits26.9%
91st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.6%
46th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Valex Federal Credit UnionCredit union Alexandria, LA62 out of 100, Moderate$41.0M9.5%1.57%vs
705 Federal Credit UnionCredit union Lafayette, LA41 out of 100, Below average$43.0M7.9%2.03%vs
Access of Louisiana Federal Credit UnionCredit union Lake Charles, LA51 out of 100, Below average$44.5M9.8%1.88%vs
Geismar Complex Federal Credit UnionCredit union Geismar, LA80 out of 100, Strong$44.6M13.1%0.51%vs
Les Federal Credit UnionCredit union Baton Rouge, LA74 out of 100, Strong$45.1M11.7%0.15%vs
Willis Knighton Federal Credit UnionCredit union Shreveport, LA85 out of 100, Very strong$46.1M18.5%0.32%vs

Deposit insurance

Is my money safe at River Region Federal Credit Union?

Yes. River Region Federal Credit Union is a federally insured credit union (NCUA charter #13763). 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 19.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

River Region Federal Credit Union lists 1 office in 1 city. Most locations:

  • Lutcher, LA (1)

All branch addresses and map

Identity & history

Profile

Legal name
River Region Federal Credit Union
Type
Federal credit union
NCUA charter #
13763
RSSD ID
251286
Primary regulator
NCUA
Established
1960
Headquarters
P O Drawer 309, Lutcher, LA 70071
Employees
8

Quick answers

River Region Federal Credit Union: common questions

Is River Region Federal Credit Union NCUA insured?

Yes. River Region Federal Credit Union is a federally insured credit union (NCUA charter #13763). 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 River Region Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 River Region Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lutcher

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
First National Bank USABank Boutte, LA89 out of 100, Very strong$249.1M14.1%0.03%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
C-F LA. Credit UnionCredit union Donaldsonville, LA85 out of 100, Very strong$6.8M20.3%0.00%vs