Randolph-Brooks Federal Credit Union Live Oak, Texas
Randolph-Brooks Federal Credit Union is a federal credit union headquartered in Live Oak, TX, established in 1952 (NCUA charter 8111), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,152,532 members and total assets of $19.57B (up 4.6% from Q2 2025), the largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.42% at Q2 2026, in the well capitalized band.
Also written as Randolph-Brooks FCU · Trade name filed with the NCUA: RBFCU
BankRegReports is independent of Randolph-Brooks Federal Credit Union and never asks for online banking logins or passwords.
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
- 8111
- Headquarters
- Live Oak, TX
- Established
- 1952
- Total assets, Q2 2026
- $19.57B
- Assets vs Q2 2025
- +4.6%
- Members, Q2 2026
- 1,152,532
- Net worth ratio, Q2 2026
- 13.42%
- Latest call report
- Q2 2026, NCUA 5300 · Randolph-Brooks Federal Credit Union call report
- Asset rank in state
- 1st of 377 in Texas
- Routing number
- 314089681
- Branches
- 66
It has 32,128 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.80 percentage points from 12.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.66B of $12.83B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.27% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 13.42% net worth ratio is above that band's 10.42% median.
Credit unions merged into Randolph-Brooks Federal Credit Union
True SKY Federal Credit Union (2026) · Express-News Federal Credit Union (2019) · Fellowship Credit Union (2019)
Frequently asked about Randolph-Brooks Federal Credit Union
How big is Randolph-Brooks Federal Credit Union?
At Q2 2026 it reported total assets of $19.57B and 1,152,532 members.
Where is Randolph-Brooks Federal Credit Union headquartered?
It is headquartered in Live Oak, TX, United States.
When was Randolph-Brooks Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Randolph-Brooks Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8111): 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 Randolph-Brooks Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Randolph-Brooks Federal Credit Union well capitalized?
Its net worth ratio was 13.42% 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 Randolph-Brooks Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Randolph-Brooks Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Live Oak, TX 78233
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 8111
- RSSD ID
- 491381
- Members
- 1,152,532
- Potential members
- 4,484,454
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 13.42% | 10.42% | 83rd top |
| Return on assets Middle half of peers: 0.59% to 1.31% | 1.95% | 0.97% | 87th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 14.50% | 9.50% | 77th top |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.41% | 3.17% | 72nd above |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 50.08% | 61.32% | 79th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.90% | 1.88% | 46th below |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.27% | 0.91% | 25th below |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.31% | 5.07% | 71st position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 82.37% | 89.87% | 28th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$19.57B total assets against $18.70B; $15.58B total shares and deposits against $14.82B; $12.83B total loans against $12.67B.
$2.63B net worth against $2.36B.
13.42% net worth ratio against 12.62%.
82.37% loan-to-share ratio against 85.45%.
1.27% delinquency ratio against 0.96%.
1.95% return on assets against 1.75%; 14.50% return on equity against 13.88%.
3.41% net interest margin against 3.17%.
1,152,532 members against 1,184,660.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.42% | 1.95% | 1.27% | 82.37% |
| March 31, 2026 | 13.18% | 1.02% | 1.00% | 82.09% |
| December 31, 2025 | 12.98% | 1.20% | 1.05% | 84.33% |
| September 30, 2025 | 12.88% | 1.59% | 0.89% | 85.15% |
| June 30, 2025 | 12.62% | 1.75% | 0.96% | 85.45% |
| March 31, 2025 | 12.31% | 1.15% | 0.71% | 84.37% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.