RED RIVER EMPLOYEES

Charter #5029 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

RED RIVER EMPLOYEES has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 14.2% in tier
  • + Wallet Share Momentum: Top 22.6% in tier
  • + Organic Growth Engine: Top 24.7% in tier
  • + Relationship Depth Leader: Top 32.4% in tier
  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.9% in tier
  • - Indirect Auto Dependency: Bottom 18.8% in tier
  • - Delinquency rate 0.11% above tier average
  • - Average Member Relationship (AMR): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 123,510
+1.4% YoY+0.6% QoQ
 +24.8K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 24.7% in tier
Assets $1.6B
+5.8% YoY+1.5% QoQ
 $-168.6M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 52nd in tier
Loans $1.1B
+3.5% YoY+1.7% QoQ
 $-113.9M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $1.3B
+6.3% YoY+1.4% QoQ
 $-160.5M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.8%
+16.9% YoY+16.1% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 3.5%
+6.6% YoY-0.1% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 71.4%
-7.2% YoY-1.9% QoQ
 -2.6% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.9%
-9.6% YoY-11.0% QoQ
 +0.1 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 86.5%
-2.7% YoY+0.3% QoQ
 +1.3% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 46th in tier
AMR $19,536
+3.5% YoY+1.0% QoQ
 $-10K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 6.2% in tier
CD Concentration 34.7%
-0.7% YoY+3.1% QoQ
 +5.8% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 24.5% in tier
Indirect Auto % 20.5%
-8.1% YoY-0.1% QoQ
 +1.7% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 59th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#76 of 184 • Top 14.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.84%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.42%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#164 of 264 • Top 22.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.53%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#180 of 246 • Top 24.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.42%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.84%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.50%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#235 of 264 • Top 32.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.53%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#52 of 113 • Bottom 15.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.19%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.50%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#117 of 202 • Bottom 18.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.75%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.50%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.42%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

50
Net Worth Ratio
risk
Value: 13.19%
Peer Avg: 11.44%
#50 of 304 Top 16.1% in 1B-3B tier
64
First Mortgage Concentration (%)
balance_sheet
Value: 22.08%
Peer Avg: 34.01%
#64 of 304 Top 20.7% in 1B-3B tier
75
Total Members
engagement
Value: 123,510
Peer Avg: 98,678
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (4 metrics)

285
Average Member Relationship (AMR)
engagement
Value: $19,536
Peer Avg: $29,172
#285 of 304 Bottom 6.6% in 1B-3B tier
274
Net Charge-Off Rate
risk
Value: 1.12%
Peer Avg: 0.60%
#274 of 304 Bottom 10.2% in 1B-3B tier
271
Loan-to-Member Ratio (LMR)
engagement
Value: $9,061
Peer Avg: $13,213
#271 of 304 Bottom 11.2% in 1B-3B tier
234
Share Certificate Concentration (%)
balance_sheet
Value: 34.75%
Peer Avg: 28.53%
#234 of 304 Bottom 23.4% in 1B-3B tier