River City Federal Credit Union is headquartered in San Antonio and is the 101st largest credit union in the state of Texas. It is also the 1,276th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 56 employees and 15,032 members. River City Federal Credit Union has a C+ health rating.
Membership is open to those who live, work, worship or attend school in Bexar County, Texas. Also eligible to join are members of record of this credit union as of November 20, 2006, the date of its conversion to a community charter; employees of this credit union; spouses of persons who died while within the field of membership of this credit union; members of their immediate families; and organizations of such persons. - See Details
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 River City Federal Credit Union had $1.67 million in non-current loans and owned real-estate with $10.93 million in equity and loan loss allowances on hand to cover it. This gives River City Federal Credit Union a Texas Ratio of 15.24% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for River City Federal Credit Union experienced no significant changes from 14.57% as of March 31, 2013 to 15.24% as of March 31, 2014, resulting in a negative change of 4.64%. This indicates that the balance sheet and financial strength for River City Federal Credit Union has had no significant changes in recent periods.
In the past year, River City Federal Credit Union has decreased its total deposits by -$15.13 million, resulting in -11.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth River City Federal Credit Union has shown is poor.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. River City Federal Credit Union has $129.82 million in assets with $10.93 million in equity, resulting in a capitalization level of 8.42%, which is average.
|Assets and Liabilities|
|Equity Capital||$10.26 million|
|Loan Loss Allowance||$674,000|
|Unbacked Noncurrent Loans||$1.67 million|
|Real Estate Owned||$0|
|Historic Data - March 2013|
|Equity Capital||$11.13 million|
|Loan Loss Allowance||$625,000|
|Unbacked Noncurrent Loans||$1.67 million|
|Real Estate Owned||$61,000|
|Profit Margin - Quarterly|
|Net Interest Margin||1.41%|
|Return on Assets||-0.1%|
|Return on Equity||-1.29%|
|Interest Income||$1.44 million|
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|0.40%||-||-||Holiday Savers Club|
|0.01%||-||-||Health Savings Account - Savings|
|0.01%||-||-||Health Savings Account - Checking|
|0.30%||$100k||-||Insured Money Market|
|1.75%||-||$20k||River City Reward Checking - Qualifying|
|0.05%||-||-||River City Reward Checking - Non Qualifying|
|1.55%||$100k||-||5 Year CD|
|1.45%||$100k||-||4 Year CD|
|1.35%||$100k||-||3 Year CD|
|1.15%||$100k||-||2 Year CD|
|0.75%||$100k||-||1 Year CD|
|0.30%||$100k||-||6 Month CD|
|1.55%||$100k||-||5 Year IRA|
|1.45%||$100k||-||4 Year IRA|
|1.35%||$100k||-||3 Year IRA|
|1.15%||$100k||-||2 Year IRA|
|0.75%||$100k||-||1 Year IRA|
|0.30%||$100k||-||6 Month IRA|
|River City Federal Credit Union Locations|
|Branch Office||11650 Bandera Rd Ste 133||San Antonio, TX 78250|
|Branch Office||2929 Thousand Oaks Dr||San Antonio, TX 78247|
|Branch Office||1403 W Bitters Rd||San Antonio, TX 78248|
|Branch Office||825 Jackson Keller Rd||San Antonio, TX 78216|
|Branch Office||5910 Babcock Rd (Inside H-E-B Grocery Store)||San Antonio, TX 78240|
|Branch Office||20725 State Highway 46 W (Inside H-E-B Grocery Store)||Spring Branch, TX 78070|
|Branch Office||7131 Fairlawn Dr||San Antonio, TX 782234022|
|Branch Office||610 Augusta St||San Antonio, TX 78215|