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P.O. Box 12689
San Antonio, TX 78212

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.

Field of Membership Restrictions

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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Data for Q1 2014

Institution Health


Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

NCUA #926
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$129.82 million
Loans$84.42 million
Deposits$118.32 million
Equity Capital$10.26 million
Loan Loss Allowance$674,000
Unbacked Noncurrent Loans$1.67 million
Real Estate Owned$0
Historic Data - March 2013
Assets$146.45 million
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 Margin1.41%
Return on Assets-0.1%
Return on Equity-1.29%
Interest Income$1.44 million

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River City Federal Credit Union Savings Account Rates

0.40%--Holiday Savers Club
0.15%--Regular Savings
0.15%--Special Savings
0.15%--Accumulative IRA
0.01%--Health Savings Account - Savings
0.01%--Health Savings Account - Checking

River City Federal Credit Union Money Market Rates

0.30%$100k-Insured Money Market

River City Federal Credit Union Checking Account Rates

1.75%-$20kRiver City Reward Checking - Qualifying
0.05%--River City Reward Checking - Non Qualifying
0.01%--Y.E.S. Checking
0.01%--Standard Checking

River City Federal Credit Union CD Rates

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

River City Federal Credit Union IRA Rates

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 Office11650 Bandera Rd Ste 133San Antonio, TX 78250
Branch Office2929 Thousand Oaks DrSan Antonio, TX 78247
Branch Office1403 W Bitters RdSan Antonio, TX 78248
Branch Office825 Jackson Keller RdSan Antonio, TX 78216
Branch Office5910 Babcock Rd (Inside H-E-B Grocery Store)San Antonio, TX 78240
Branch Office20725 State Highway 46 W (Inside H-E-B Grocery Store)Spring Branch, TX 78070
Branch Office7131 Fairlawn DrSan Antonio, TX 782234022
Branch Office610 Augusta StSan Antonio, TX 78215