Rio Grande Valley Credit Union

Harlingen, TX · 2 · Charter #61734 · www.rgvcu.coop
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$175.0M
81th percentile
Members
17,571
95th percentile
Total loans
$65.8M
56th percentile
Total shares
$155.5M
84th percentile

Profitability

Return on assets
1.28%
66th percentile
Net interest margin
3.34%
33th percentile
Efficiency ratio
64.03%
46th percentile
Non-interest income ratio
27.75%
90th percentile

Capital & Risk

Net worth ratio
10.42%
28th percentile
Delinquency rate
0.53%
63th percentile
Net charge-off rate
0.30%
52th percentile
Loan-to-share
42.35%
10th percentile

Growth

Member growth YoY
0.46%
63th percentile
Asset growth YoY
12.43%
93th percentile
Loan growth YoY
-15.09%
1th percentile
Share growth YoY
13.06%
93th percentile

Operations

Members / branch
3,514
59th percentile
Assets / member
$9,962
14th percentile
Field of membership penetration
12.03%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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