Credit Union Safety Analysis
Is Rio Grande Valley Credit Union Safe? Harlingen, Texas
Based on its Q2 2026 NCUA 5300 call report, Rio Grande Valley Credit Union has a net worth ratio of 10.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.42%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Rio Grande Valley Credit Union's net worth ratio is 10.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 39.21%
Rio Grande Valley Credit Union (NCUA charter 61734, established 1954) reported $180.1M in assets and 17,573 members for Q2 2026 from Harlingen, Texas. It ranks 113 of 377 credit unions in Texas by total assets. Total assets grew 4.8% from $171.9M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.27% for Q1 2026; 9.94% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.48% for Q1 2026; 0.22% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.90% for Q1 2026; 1.18% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 39.94% for Q1 2026; 44.16% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $27.2M
- New vehicle loans: $12.5M
- 1- to 4-family residential and other consumer real estate loans: $7.6M
- Unsecured credit card loans: $7.6M
- Other unsecured loans and lines of credit: $4.2M
- Other secured non-real estate loans and lines of credit: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $180.1M | 10.54% | 0.42% | 0.76% | 39.21% |
| March 31, 2026 | $181.5M | 10.27% | 0.48% | 0.90% | 39.94% |
| December 31, 2025 | $175.0M | 10.42% | 0.53% | 1.43% | 42.35% |
| September 30, 2025 | $178.4M | 9.87% | 0.39% | 1.16% | 44.26% |
| June 30, 2025 | $171.9M | 9.94% | 0.22% | 1.18% | 44.16% |
| March 31, 2025 | $165.4M | 10.02% | 0.22% | 0.57% | 49.35% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Rio Grande Valley Credit Union profile
Regulator records: NCUA credit union profile (charter 61734) · FFIEC NIC profile (RSSD 6897)
Frequently asked questions
Is Rio Grande Valley Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rio Grande Valley Credit Union's net worth ratio is 10.54%, above the 7% NCUA threshold for well capitalized.
Is Rio Grande Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rio Grande Valley Credit Union is a federally insured credit union (NCUA charter 61734): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rio Grande Valley Credit Union's key safety ratios?
For Q2 2026, Rio Grande Valley Credit Union reports net worth 10.54%, delinquency 0.42%, ROA 0.76%, loan-to-share 39.21%.
What happens to my money if Rio Grande Valley Credit Union fails?
For Q2 2026, Rio Grande Valley Credit Union held $159.2M in shares and deposits for 17,573 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.