Red River Employees Federal Credit Union Texarkana, Texas
Red River Employees Federal Credit Union is a federal credit union headquartered in Texarkana, TX, established in 1943 (NCUA charter 5029), and it is regulated and insured by the NCUA. At Q2 2026 it reported 126,191 members and total assets of $1.58B (up 3.5% from Q2 2025), the 22nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.86% at Q2 2026, in the well capitalized band.
Also written as Red River Employees FCU · Trade names filed with the NCUA: Red River Credit Union, Red River Federal Credit Union and RRCU
BankRegReports is independent of Red River Employees 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
- 5029
- Headquarters
- Texarkana, TX
- Established
- 1943
- Total assets, Q2 2026
- $1.58B
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 126,191
- Net worth ratio, Q2 2026
- 13.86%
- Latest call report
- Q2 2026, NCUA 5300 · Red River Employees Federal Credit Union call report
- Asset rank in state
- 22nd of 377 in Texas
- Routing number
- 311989331
- Branches
- 33
It has 3,380 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.75 percentage points from 13.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $311.3M of $1.19B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.94% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.86% net worth ratio is above that band's 10.89% median.
Credit unions merged into Red River Employees Federal Credit Union
Fci Federal Credit Union (2024) · Northwest Louisiana Federal Credit Union (2023) · Lamar Federal Credit Union (2015)
Frequently asked about Red River Employees Federal Credit Union
How big is Red River Employees Federal Credit Union?
At Q2 2026 it reported total assets of $1.58B and 126,191 members.
Where is Red River Employees Federal Credit Union headquartered?
It is headquartered in Texarkana, TX, United States.
When was Red River Employees Federal Credit Union founded?
It was established in 1943, per NCUA records.
Is Red River Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5029): 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 Red River Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Red River Employees Federal Credit Union well capitalized?
Its net worth ratio was 13.86% 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 Red River Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.94% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Red River Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Texarkana, TX 75503
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1943
- NCUA Charter #
- 5029
- RSSD ID
- 699178
- Members
- 126,191
- Potential members
- 5,100,000
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 2 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% | 13.86% | 10.89% | 85th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.41% | 0.89% | 81st top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.17% | 8.07% | 68th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.80% | 3.45% | 75th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.34% | 70.59% | 74th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.68% | 1.68% | 50th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.94% | 0.68% | 33rd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.48% | 5.12% | 76th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.55% | 88.03% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.58B total assets against $1.53B; $1.33B total shares and deposits against $1.28B; $1.19B total loans against $1.10B.
$219.4M net worth against $200.4M.
13.86% net worth ratio against 13.11%.
89.55% loan-to-share ratio against 86.20%.
0.94% delinquency ratio against 1.05%.
1.41% return on assets against 0.79%; 10.17% return on equity against 6.05%.
3.80% net interest margin against 3.46%.
126,191 members against 122,811.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.86% | 1.41% | 0.94% | 89.55% |
| March 31, 2026 | 13.48% | 0.91% | 0.56% | 86.09% |
| December 31, 2025 | 13.36% | 1.44% | 0.89% | 86.43% |
| September 30, 2025 | 13.19% | 1.08% | 0.93% | 86.50% |
| June 30, 2025 | 13.11% | 0.79% | 1.05% | 86.20% |
| March 31, 2025 | 13.09% | 0.65% | 0.63% | 87.14% |
Scroll sideways to see every column.
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.