Charter 61734 · Harlingen, TX
Rio Grande Valley Credit Union
Rio Grande Valley Credit Union is a state-chartered credit union in Harlingen, Texas, with $180 million in assets and 17,573 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.54%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Rio Grande Valley CU, RGVCU, RGV Credit Union.
- Total assets
- $180 million
- +4.8% in a year
- Members
- 17,573
- +0.3% in a year
- Net worth ratio
- 10.54%
- Peer median 11.65%
- Loans 60+ days late
- 0.42%
- Peer median 0.70%
- Loans outstanding
- $62.4 million
- -7.8% in a year
- Shares and deposits
- $159 million
- +3.9% in a year
- Branches
- 5
- 46 employees
- Opened
- 1954
- Texas charter
How Rio Grande Valley Credit Union compares
NCUA groups credit unions by size; Rio Grande Valley Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.54% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.42%, is lower than the group median of 0.70%. Loans fell 7.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 113 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $180 million | 17,573 | $62.4 million | 10.54% | 0.42% |
| Q1 2026 | $181 million | 17,611 | $64.4 million | 10.27% | 0.48% |
| Q4 2025 | $175 million | 17,571 | $65.8 million | 10.42% | 0.53% |
| Q3 2025 | $178 million | 17,583 | $70.0 million | 9.87% | 0.39% |
| Q2 2025 | $172 million | 17,514 | $67.7 million | 9.94% | 0.22% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 146,081 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Rio Grande Valley Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- San Benito Branch
345 N Williams Rd, San Benito, TX 78586 - Expwy 83
4321 W Expressway 83, Harlingen, TX 78552 - Morgan (main office)
1221 Morgan Blvd, Harlingen, TX 78550 - Lyford Branch
7449 S Expressway 77, Lyford, TX 78569 - Rio Hondo
117 W Colorado Ave, Rio Hondo, TX 78583
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology