Federal credit union · Texarkana, Texas · NCUA charter #5029
Red River Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.57B
- Total assets
- 123,949
- Members
- 13.5%
- Net-worth ratio
Red River Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.57B; members 123,949; net-worth ratio 13.48%; health rank #762 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#762 of 4,374 health · 2025Q4Red River Employees · health 92/100 · $1.57B · 2025Q4
Call Report peers
Red River Employees in the assets neighbourhood
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Red River Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Red River Employees sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Red River Employees
- Largest favorable gap: Loan-to-Share Ratio at 86.43% vs peer 83.90% (+2.53 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.02 pp (0.89% vs 0.87%).
Texas standing for Red River Employees
- Health composite ranks #70 of 386 among scored Texas credit unions.
- By total assets, Red River Employees is #23 of 386 in Texas.
- Membership ranks #19 of 386 among Texas CUs with a reported count (123,949 members).
- One place up in Texas, Odessa Employees (#69) ties at 92/100; one place down, Southwest Heritage (#71) ties at 92/100.
Red River Employees: 2025Q4 → 2026Q1
Red River Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $1.57B (2025Q4) to $1.59B (2026Q1).
- Net-worth ratio shifted +0.12 pp (13.36% → 13.48%).
At 13.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Red River Employees gives up 8 points in total. Delinquency Rate costs the most, 3.9 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 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.5 pts
Red River Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.48% | +2.30 pp |
| Delinquency Rate | 0.89% | +0.02 pp |
| Return on Assets | 0.63% | +0.12 pp |
| Member Growth | 1.99% | - |
| Loan-to-Share Ratio | 86.43% | +2.53 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Red River Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.59B | - |
| 2025Q4 | $1.57B | 123,949 |
| 2024Q4 | $1.49B | 121,532 |
| 2023Q4 | $1.40B | 118,485 |
Credit Union Details
- Charter Number
- 5029
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Texarkana
- Data Quarter
- 2025Q4
Branch Locations (33)
The NCUA branch filing lists 33 physical offices for Red River Employees, spread across 22 cities in 5 states.
| Office | City |
|---|---|
| University Corporate Office - TX (Main Office) | Texarkana, TX |
| Ashdown AR Micro Office | Ashdown, AR |
| Atlanta TX Office | Atlanta, TX |
| Bastrop LA Office | Bastrop, LA |
| Batesville MS Office | Batesville, MS |
| Bossier City Branch | Bossier City, LA |
| Clarksdale MS Office | Clarksdale, MS |
| Clarksville TX Office | Clarksville, TX |
| DeQueen AR Office | De Queen, AR |
| El Dorado AR | El Dorado, AR |
| Fort Smith AR Office | Fort Smith, AR |
| Greenville TX Office | Greenville, TX |
| Hope AR Office | Hope, AR |
| Idabel OK Office | Idabel, OK |
| Marshall TX Office | Marshall, TX |
| Nashville AR Office | Nashville, AR |
| New Boston TX Office | New Boston, TX |
| Paris TX Office | Paris, TX |
| Poteau Office - OK | Poteau, OK |
| North Market Office - LA | Shreveport, LA |
| Lakeshore Branch | Shreveport, LA |
| NW Jewella Ave | Shreveport, LA |
| Sulphur Springs TX Office | Sulphur Springs, TX |
| Summerhill Office - TX | Texarkana, TX |
| Richmond Rd Office - TX | Texarkana, TX |
| Red River Office - TX | Texarkana, TX |
| Hwy 59 LE Office - TX | Texarkana, TX |
| Texas Blvd Office - TX | Texarkana, TX |
| Trinity Blvd Office - AR | Texarkana, AR |
| Xpress Office - TX | Texarkana, TX |
| Latino Office - TX | Texarkana, TX |
| University Office - TX | Texarkana, TX |
| Hwy 67 Wake Village TX Office | Wake Village, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Red River Employees
Similar total assets
Similar health score
Using this data
- Red River Employees ranks #762 of 4,374 nationally on financial health and #70 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRSTLIGHT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRSTLIGHT
Frequently Asked Questions
Is Red River Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Red River Employees scores 92/100 (Excellent), with a 13.48% net worth ratio and 0.89% of loans delinquent. It ranks #762 of 4,374 nationally on health and #70 of 386 in Texas.
How does Red River Employees compare to other credit unions?
Red River Employees scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.43% vs 83.90%). Its widest shortfall is delinquency rate (0.89% vs 0.87%).
How can I join Red River Employees?
Red River Employees 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 Employees directly for the exact boundaries and application steps.
Is my money safe at Red River Employees?
Red River Employees 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 Employees's net worth ratio of 13.48% 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.