RED RIVER EMPLOYEES
Charter #5029 · Texarkana, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 124,743 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.48% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.03% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.72% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.72% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RED RIVER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.59B | 35th pct | 64th pct |
| Members | 124,743 | 52th pct | 82th pct |
| Net worth ratio | 13.48% | 87th pct | 82th pct |
| Return on average assets | 0.91% | 65th pct | 74th pct |
| Net interest margin | 3.69% | 72th pct | 70th pct |
| Cost of funds | 2.03% | 63th pct | 79th pct |
| Loan-to-share | 86.09% | 49th pct | 46th pct |
| Delinquency 60+ days | 0.56% | 43th pct | 46th pct |
| Net charge-off ratio | 0.72% | 67th pct | 75th pct |
| Loan growth YoY | 2.35% | 59th pct | 57th pct |
| Share growth YoY | 2.84% | 27th pct | 38th pct |
| Efficiency ratio | 69.72% | 40th pct | 25th pct |
structural peer set hash: 5cecfbbd1f2e7f2509ff0a0351a44c3f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.