River City Federal Credit Union

River City Federal Credit Union Locations

610 Augusta St.
San Antonio, TX 78215
800.535.3322
www.rivercityfcu.org

OverView
Rates
Health
Reviews

River City Federal Credit Union is headquartered in San Antonio and is the 87^th largest credit union in the state of Texas. It is also the 1,030^th largest credit union in the nation. It was established in 1936 and as of September of 2011, it had grown to 78 employees and 14,576 members. River City Federal Credit Union has a 5-star health rating.

Top CD and Reward Checking Rates at River City FCU in San Antonio - Local Only - 9/9/2010

River City Federal Credit Union is offering some competitive long-term CD rates. The best is its 5-year CD with a top yield of 3.20% APY for a $90K minimum deposit. The other top CDs for a $90K minimu ...

High-Yield Reward Checking Account at River City FCU in San Antonio - Local Only - 7/23/2010

River City Federal Credit Union is offering a high-yield reward checking account called River City Reward Checking . The rate and balance cap are a little above average so this might be a good reward ...

5.66% 12-Month / 5.66% 24-Month CD at a Texas CU (River City) - 7/15/2007

River City FCU is offering 12, 18 and 24-month share certificates with a yield up to 5.66% APY for deposits of $90K and above. The yields for minimum deposits of $50K and $500 are 5.51% APY and 5.40% APY.Membership is open to persons who live, work...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

River City Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$20k	River City Reward Checking - Qualifying
0.45%	-	-	Health Savings Account - Checking
0.05%	-	-	River City Reward Checking - Non Qualifying
0.01%	-	-	Smart Suite
0.01%	-	-	Y.E.S.
0.01%	-	-	Regular Checking

River City Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	Health Savings Account - Savings
0.45%	-	-	Holiday Savers Club
0.45%	-	-	Accumulative IRA
0.20%	-	-	Regular Savings
0.20%	-	-	Special Savings

River City Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$100k	-	Insured Money Market

River City Federal Credit Union CD Rates

Apy	Min	Max	Product
2.35%	$90k	-	5 Year CD
1.85%	$90k	-	4 Year CD
1.60%	$90k	-	3 Year CD
1.30%	$90k	-	18 Month CD
1.10%	$90k	-	2 Year CD
0.85%	$90k	-	9 Month CD
0.70%	$90k	-	1 Year CD
0.50%	$90k	-	6 Month CD
0.30%	$90k	-	3 Month CD

River City Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.35%	$90k	-	5 Year IRA
1.85%	$90k	-	4 Year IRA
1.60%	$90k	-	3 Year IRA
1.30%	$90k	-	18 Month IRA
1.10%	$90k	-	2 Year IRA
0.85%	$90k	-	9 Month IRA
0.70%	$90k	-	1 Year IRA
0.50%	$90k	-	6 Month IRA
0.30%	$90k	-	3 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

RIVER CITY
NCUA #	926
BankRate Report	View
Year Established	1936
Employees	78
Primary Regulator
Assets and Liabilities
Assets	$155.40 million
Loans	$90.05 million
Deposits	$141.70 million
Equity Capital	$12.24 million
Loan Loss Allowance	$438,000
Unbacked Noncurrent Loans	$745,000
Historic Data - September 2010
Assets	$152.98 million
Equity Capital	$12.35 million
Loan Loss Allowance	$570,000
Unbacked Noncurrent Loans	$678,000
Real Estate Owned	$439,000
Profit Margin - Quarterly
Net Interest Margin	4.05%
Return on Assets	-0.25%
Return on Equity	-3.2%
Interest Income	$5.17 million
Non-Interest Income	$984,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 River City Federal Credit Union had $745,000 in non-current loans and owned real-estate with $12.68 million in equity and loan loss allowances on hand to cover it. This gives River City Federal Credit Union a Texas Ratio of 5.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for River City Federal Credit Union decreased slightly from 8.65% as of September 30, 2010 to 5.88% as of September 30, 2011, resulting in a positive change of 32.02%.This indicates that the balance sheet and financial strength for River City Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, River City Federal Credit Union has increased its total deposits by $2.19 million, resulting in 1.57% 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 above average.
Capitalization
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 $155.4 million in assets with $12.68 million in equity, resulting in a capitalization level of 8.16%, which is average.