Rio Grande Valley Credit Union Harlingen, Texas
Rio Grande Valley Credit Union is a state-chartered credit union headquartered in Harlingen, TX, established in 1954 (NCUA charter 61734), and it is regulated and insured by the NCUA. At Q2 2026 it reported 17,573 members and total assets of $180.1M (up 4.8% from Q2 2025), the 113th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.54% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Rio Grande Valley CU, RGVCU and RGV Credit Union
BankRegReports is independent of Rio Grande Valley Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61734
- Headquarters
- Harlingen, TX
- Established
- 1954
- Total assets, Q2 2026
- $180.1M
- Assets vs Q2 2025
- +4.8%
- Members, Q2 2026
- 17,573
- Net worth ratio, Q2 2026
- 10.54%
- Latest call report
- Q2 2026, NCUA 5300 · Rio Grande Valley Credit Union call report
- Asset rank in state
- 113th of 377 in Texas
- Routing number
- 314982694
- Branches
- 5
It has 59 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.60 percentage points from 9.94% on June 30, 2025. Used vehicle loans are its largest loan category, $27.2M of $62.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.54% net worth ratio is below that band's 11.43% median.
Credit unions merged into Rio Grande Valley Credit Union
Frequently asked about Rio Grande Valley Credit Union
How big is Rio Grande Valley Credit Union?
At Q2 2026 it reported total assets of $180.1M and 17,573 members.
Where is Rio Grande Valley Credit Union headquartered?
It is headquartered in Harlingen, TX, United States.
When was Rio Grande Valley Credit Union founded?
It was established in 1954, per NCUA records.
Is Rio Grande Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61734): 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 Rio Grande Valley Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Rio Grande Valley Credit Union well capitalized?
Its net worth ratio was 10.54% 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 Rio Grande Valley Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Rio Grande Valley Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 39.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Harlingen, TX 78550
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 61734
- RSSD ID
- 6897
- Members
- 17,573
- Potential members
- 146,081
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B 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 13.58% | 10.54% | 11.43% | 36th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.76% | 0.81% | 47th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.19% | 7.02% | 51st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.42% | 3.70% | 32nd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 78.23% | 76.55% | 44th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.79% | 1.24% | 81st top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.42% | 0.68% | 72nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.21% | 4.92% | 11th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 39.21% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$180.1M total assets against $171.9M; $159.2M total shares and deposits against $153.3M; $62.4M total loans against $67.7M.
$19.0M net worth against $17.1M.
10.54% net worth ratio against 9.94%.
39.21% loan-to-share ratio against 44.16%.
0.42% delinquency ratio against 0.22%.
0.76% return on assets against 1.18%; 7.19% return on equity against 11.89%.
3.42% net interest margin against 3.43%.
17,573 members against 17,514.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.54% | 0.76% | 0.42% | 39.21% |
| March 31, 2026 | 10.27% | 0.90% | 0.48% | 39.94% |
| December 31, 2025 | 10.42% | 1.43% | 0.53% | 42.35% |
| September 30, 2025 | 9.87% | 1.16% | 0.39% | 44.26% |
| June 30, 2025 | 9.94% | 1.18% | 0.22% | 44.16% |
| March 31, 2025 | 10.02% | 0.57% | 0.22% | 49.35% |
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.