Federal credit union · Altus, Oklahoma · NCUA charter #12082
Red River
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $156.7M
- Total assets
- 9,074
- Members
- 12.0%
- Net-worth ratio
Red River scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.7M; members 9,074; net-worth ratio 12.02%; health rank #1,652 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
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Red River vs every NCUA-scored credit union
Red River sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Red River vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 87.78% here, 72.20% peer average (+15.58 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.50 pp (1.40% vs 0.89%).
Red River in Oklahoma
- Health composite ranks #18 of 53 among scored Oklahoma credit unions.
- By total assets, Red River is #22 of 53 in Oklahoma.
- Oklahoma membership ordinal: #25 of 53.
- One place up in Oklahoma, MUSKOGEE (#17) ties at 87/100; one place down, COMMUNICATION (#19) ties at 87/100.
Red River: 2025Q4 → 2026Q1
Red River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $156.7M (2025Q4) to $164.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (12.21% → 12.02%).
This credit union's 12.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Red River gives up 13 points in total. Delinquency Rate costs the most, 8 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 1.40% | +0.50 pp |
| Return on Assets | 1.21% | +0.58 pp |
| Member Growth | 0.72% | - |
| Loan-to-Share Ratio | 87.78% | +15.58 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Red River
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $164.0M | - |
| 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
Branch Locations (3)
Red River operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Red River Fed Credit Union (Main Office) | Altus, OK |
| Altus Broadway Drive-Thru Facility | Altus, OK |
| LAWTON BRANCH | LAWTON, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for Red River
Using this data
- Red River ranks #1,652 of 4,374 nationally on financial health and #18 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Focus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Focus
Frequently Asked Questions
Is Red River financially healthy?
On its 2025Q4 NCUA 5300 filing, Red River scores 87/100 (Excellent), with a 12.02% net worth ratio and 1.40% of loans delinquent. It ranks #1,652 of 4,374 nationally on health and #18 of 53 in Oklahoma.
How does Red River compare to other credit unions?
Red River scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.78% vs 72.20%). Its widest shortfall is delinquency rate (1.40% vs 0.89%).
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?
Red River is a federal credit union; its shares are federally 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 12.02% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.