San Antonio, Texas · Peer group 5
River City Credit Union
River City Credit Union holds $153.4M in assets across 11,716 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1936. Charter number 926, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $153.4M |
|---|---|
| Total loans | $117.7M |
| Total shares (deposits) | $129.9M |
| Net worth | $16.9M |
| Members | 11,716 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.1% | |
|---|---|---|
| Loans | 10.1% | around the 85th percentile of its peer group |
| Deposits | 1.6% | around the 35th percentile of its peer group |
| Members | -14.9% | lower than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 90.7% | around the 89th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.0% | around the 44th percentile of its peer group |
| Return on assets | -1.90% | lower than 99% of its peer group |
| Delinquency ratio | 3.07% | higher than 98% of its peer group |
| Cash / assets | 6.3% | around the 19th percentile of its peer group |
| Borrowings / assets | 11.5% | higher than 98% of its peer group |
What this page does not show
Everything above is River City Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Naft Credit Union
Pharr, TX
$152.1M · 12,072 members
- 4U Credit Union
Gainesville, TX
$152.0M · 7,349 members
- Kerr County Credit Union
Kerrville, TX
$156.7M · 13,906 members
- Chocolate Bayou Community Credit Union
Alvin, TX
$156.9M · 11,827 members
- Communities of Abilene Credit Union
Abilene, TX
$161.7M · 11,003 members
- Community Service Credit Union
Huntsville, TX
$162.9M · 11,379 members
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