Federal credit union · Altus, Oklahoma · NCUA charter #12082
Red River
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $156.7M
- Total assets
- 9,074
- Members
- 12.2%
- Net-worth ratio
Red River - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12082, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Red River - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.18% | 30% |
| Delinquency Rate | 1.40% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | 0.72% | 15% |
| Loan-to-Share Ratio | 87.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $156.7M | 9,074 |
| 2024Q4 | $150.0M | 9,009 |
| 2023Q4 | $133.2M | 8,734 |
Credit Union Details
- Charter Number
- 12082
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Altus
- Data Quarter
- 2025Q4
What This Data Says About Red River
Red River is a federal credit union headquartered in Altus, Oklahoma, serving 9,074 members with $156.7M in total assets and $121.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 12.18% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #12082 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 87.78% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.40% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 1.21% on net income of $1.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.72%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Red River financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Red River's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.18% net worth ratio and 1.40% delinquency rate are the key drivers.
How does Red River compare to other credit unions?
PlainCU's health composite puts Red River at 87/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Red River?
Red River operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Red River directly for the exact boundaries and application steps.
Is my money safe at Red River?
Federal credit unions like Red River are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Red River's net worth ratio of 12.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Red River offer compared to banks?
Credit unions like Red River are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Red River directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.