Raiz Federal Credit Union El Paso, Texas
Raiz Federal Credit Union is a federal credit union headquartered in El Paso, TX, established in 1936 (NCUA charter 1409), and it is regulated and insured by the NCUA. At Q2 2026 it reported 78,753 members and total assets of $1.09B (up 5.0% from Q2 2025), the 35th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.21% at Q2 2026, in the well capitalized band.
Also written as Raiz FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1409
- Headquarters
- El Paso, TX
- Established
- 1936
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +5.0%
- Members, Q2 2026
- 78,753
- Net worth ratio, Q2 2026
- 10.21%
- Latest call report
- Q2 2026, NCUA 5300 · Raiz Federal Credit Union call report
- Asset rank in state
- 35th of 377 in Texas
- Routing number
- 312081034
- Branches
- 11
It has 2,442 more members than on June 30, 2025 (+3.2%). Its net worth ratio was down 0.31 percentage points from 10.52% on June 30, 2025. Used vehicle loans are its largest loan category, $307.9M of $858.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.95% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.21% net worth ratio is below that band's 10.89% median.
Credit unions merged into Raiz Federal Credit Union
Frequently asked about Raiz Federal Credit Union
How big is Raiz Federal Credit Union?
At Q2 2026 it reported total assets of $1.09B and 78,753 members.
Where is Raiz Federal Credit Union headquartered?
It is headquartered in El Paso, TX, United States.
When was Raiz Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Raiz Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1409): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Raiz Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Raiz Federal Credit Union well capitalized?
Its net worth ratio was 10.21% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Raiz Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Raiz Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.97% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- El Paso, TX 79936
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1409
- RSSD ID
- 503172
- Members
- 78,753
- Potential members
- 877,858
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.21% | 10.89% | 34th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.10% | 0.89% | 64th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.74% | 8.07% | 73rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.05% | 3.45% | 85th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 70.47% | 70.59% | 50th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.70% | 1.68% | 49th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.95% | 0.68% | 32nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.75% | 5.12% | 88th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 100.97% | 88.03% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.09B total assets against $1.04B; $850.4M total shares and deposits against $897.0M; $858.7M total loans against $839.7M.
$111.7M net worth against $110.0M.
10.21% net worth ratio against 10.52%.
100.97% loan-to-share ratio against 93.61%.
0.95% delinquency ratio against 0.91%.
1.10% return on assets against -2.16%; 10.74% return on equity against -20.49%.
4.05% net interest margin against 2.67%.
78,753 members against 76,311.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.21% | 1.10% | 0.95% | 100.97% |
| March 31, 2026 | 9.97% | 1.01% | 0.86% | 98.53% |
| December 31, 2025 | 9.81% | -0.37% | 0.88% | 99.15% |
| September 30, 2025 | 10.75% | 1.48% | 0.66% | 97.34% |
| June 30, 2025 | 10.52% | -2.16% | 0.91% | 93.61% |
| March 31, 2025 | 11.01% | -1.20% | 0.76% | 88.52% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.