Sep, 30, 2025 — BORDER FEDERAL CREDIT UNION is a federal credit union headquartered in DEL RIO, TX with 5 branch locations and about $254.85 million in total assets. Opened 40 years ago in 1986, BORDER FEDERAL CREDIT UNION has about 27,647 members and employs 121 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BORDER FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2211 N BEDELL AVE DEL RIO, TX 78840 |
| Phone: | (830) 774-2328 |
| Fax: | (830) 775-1212 |
| Website: | https://www.borderfcu.com |
| Branches: | 5 branch locations |
| Members: | 27,647 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24304 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1986 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $254,853,028 |
| CEO/Manager: | Maria J Martinez |
| Chairperson: | Maria B Gutierrez |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 24,716,589 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 50,756,818 |
| Unsecured Loans | 17,841,094 |
| Other Loans | 88,337,133 |
| TOTAL LOANS | 156,935,046 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,126,821 |
| Land And Building | 13,581,235 |
| Other Fixed Assets | 2,542,235 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,773,436 |
| All Other Assets | 125,600 |
| TOTAL ASSETS | 254,853,028 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 139,405 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 15,230,032 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 52,632,393 |
| Regular shares | 111,989,539 |
| All Other Shares & Deposits | 29,935,145 |
| TOTAL SHARES & DEPOSITS | 194,557,077 |
| TOTAL LIABILITIES | 209,926,514 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 44,926,514 |
| TOTAL EQUITY | 44,926,514 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 254,853,028 |
| INCOME & EXPENSE | |
| Loan Income | 8,318,360 |
| Investment Income | 928,159 |
| Other Income | 4,560,626 |
| Total Employee Compensation & Benefits | 6,765,748 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,536,521 |
| Non-operating Income & (Expense) | 33,750 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 677,083 |
| Cost of Funds | 741,613 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,081,146 |
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