River City Federal Credit Union

River City Federal Credit Union Locations

610 Augusta St
San Antonio, TX 78215
(210) 225-6866
www.rivercityfcu.org

NCUA

OverView
Rates
Health
Reviews

River City Federal Credit Union is headquartered in SAN ANTONIO and is the 90^th largest credit union in the state of Texas. It is also the 1,113^st largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 67 employees and 15,925 members. River City Federal Credit Union has a 3-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
1.75%	-	$20k	River City Reward Checking
0.01%	-	-	Y.E.S. Checking
0.01%	-	-	Standard Checking

River City Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.30%	$100k	-	Insured Money Market

River City Federal Credit Union CD Rates

Apy	Min	Max	Product
1.55%	$100k	-	5 Year CD
1.25%	$100k	-	4 Year CD
1.05%	$100k	-	3 Year CD
0.80%	$100k	-	2 Year CD
0.50%	$100k	-	1 Year CD
0.30%	$100k	-	6 Month CD

River City Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.55%	$100k	-	5 Year IRA
1.25%	$100k	-	4 Year IRA
1.05%	$100k	-	3 Year IRA
0.80%	$100k	-	2 Year IRA
0.50%	$100k	-	1 Year IRA
0.30%	$100k	-	6 Month IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

RIVER CITY
NCUA #	926
BankRate Report	View
Year Chartered	1936
Employees	67
Primary Regulator
Assets and Liabilities
Assets	$148.01 million
Loans	$91.54 million
Deposits	$135.14 million
Equity Capital	$11.34 million
Loan Loss Allowance	$593,000
Unbacked Noncurrent Loans	$1.34 million
Historic Data - December 2011
Assets	$154.02 million
Equity Capital	$12.17 million
Loan Loss Allowance	$447,000
Unbacked Noncurrent Loans	$1.00 million
Profit Margin - Quarterly
Net Interest Margin	5.42%
Return on Assets	-0.45%
Return on Equity	-5.81%
Interest Income	$6.40 million
Non-Interest Income	$1.64 million

Institution Health

Overall Score:

3 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 December 31, 2012 River City Federal Credit Union had $1.34 million in non-current loans and owned real-estate with $11.93 million in equity and loan loss allowances on hand to cover it. This gives River City Federal Credit Union a Texas Ratio of 11.25% 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 held steady from 7.94% as of December 31, 2011 to 11.25% as of December 31, 2012, resulting in a negative change of 41.75%. This indicates that the balance sheet and financial strength for River City Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, River City Federal Credit Union has decreased its total deposits by -$4.67 million, resulting in -3.34% 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 below 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 $148.01 million in assets with $11.93 million in equity, resulting in a capitalization level of 8.06%, which is average.