River City Federal Credit Union Leon Valley, Texas
River City Federal Credit Union is a federal credit union headquartered in Leon Valley, TX, established in 1936 (NCUA charter 926), and it is regulated and insured by the NCUA. At Q2 2026 it reported 11,651 members and total assets of $147.8M (down 2.4% from Q2 2025), the 121st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.17% at Q2 2026, in the well capitalized band.
Also written as River City 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
- 926
- Headquarters
- Leon Valley, TX
- Established
- 1936
- Total assets, Q2 2026
- $147.8M
- Assets vs Q2 2025
- -2.4%
- Members, Q2 2026
- 11,651
- Net worth ratio, Q2 2026
- 11.17%
- Latest call report
- Q2 2026, NCUA 5300 · River City Federal Credit Union call report
- Asset rank in state
- 121st of 377 in Texas
- Routing number
- 314088530
- Branches
- 5
It has 1,825 fewer members than on June 30, 2025 (-13.5%). Its net worth ratio was down 2.56 percentage points from 13.73% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $43.2M of $113.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.00% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.17% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Texas
Frequently asked about River City Federal Credit Union
How big is River City Federal Credit Union?
At Q2 2026 it reported total assets of $147.8M and 11,651 members.
Where is River City Federal Credit Union headquartered?
It is headquartered in Leon Valley, TX, United States.
When was River City Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is River City Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 926): 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 River City Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is River City Federal Credit Union well capitalized?
Its net worth ratio was 11.17% 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 River City Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is River City Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.38% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Leon Valley, TX 78238
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 926
- RSSD ID
- 612672
- Members
- 11,651
- Potential members
- 2,009,324
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 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.17% | 11.43% | 46th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -1.04% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -9.35% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.99% | 3.70% | 69th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 103.15% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.40% | 1.24% | 37th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 2.00% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.40% | 4.92% | 76th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 91.38% | 75.66% | 85th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$147.8M total assets against $151.5M; $124.6M total shares and deposits against $127.3M; $113.8M total loans against $108.9M.
$16.5M net worth against $20.8M.
11.17% net worth ratio against 13.73%.
91.38% loan-to-share ratio against 85.58%.
2.00% delinquency ratio against 2.21%.
-1.04% return on assets against -1.43%; -9.35% return on equity against -10.39%.
3.99% net interest margin against 3.48%.
11,651 members against 13,476.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.17% | -1.04% | 2.00% | 91.38% |
| March 31, 2026 | 11.02% | -1.90% | 3.07% | 90.66% |
| December 31, 2025 | 11.39% | -4.28% | 2.02% | 89.60% |
| September 30, 2025 | 13.12% | -3.83% | 3.02% | 87.59% |
| June 30, 2025 | 13.73% | -1.43% | 2.21% | 85.58% |
| March 31, 2025 | 14.07% | -2.71% | 2.28% | 83.65% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.