RAIZ Credit Union Profile

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RAIZ

Charter #1409 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (915) 843-8328

Fax: (915) 859-3564

Founding Date: N/A

Website: http://www.raiz.us

Personnel & Operations

President: Crouch, Lillian

Manager: Villaronga, Max

FT Employees: 243

PT Employees: 8

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 11

Hours: 9:00 - 5:30 (9:00 - 12:00 SATURDAY)

Credit Union Profile Summary

RAIZ is a FCU Credit Union. With a total of 76,311 members ^[1], this institution manages approximately $1,042,300,520 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.52% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.47% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,042,300,520

Total economic resources.

Total Loans ^[1]

$839,661,099

Total value of outstanding loans.

Total Deposits ^[1]

$896,971,451

Total funds deposited by members.

Members ^[1]

76,311

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.52%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

-1.72%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

93.61%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.42%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 1.47%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.35%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

12020 ROJAS DR

EL PASO, TX, 79936

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 11 branches reported by RAIZ (Charter #1409).

Main Office

Rojas Main Office

Type: Corporate Office

12020 Rojas Dr

El Paso, TX 79936

Phone: (915) 843-8328

Services: Member Services, ATM, Drive-Thru

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Additional Branches

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