Randolph-Brooks Federal Credit Union (8111), a $18.9B credit union headquartered in Universal City, TX, led by CEO Sekula, reported $14.9B in member deposits at the end of 2025 Q3, an increase of $814.2M (+5.8%) compared to the same quarter last year.
The credit union's 85.1% loan-to-share ratio indicates strong loan demand relative to deposits, which may require attention to deposit pricing and liquidity management.
At a high level: balance sheet is loan-heavy, constraining future optionality.
Deposit Composition
Randolph-Brooks Federal Credit Union's deposit portfolio is led by Money Market, comprising 30.4% of total deposits—higher-yield accounts with selective transactions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Money Market | $4.5B | 30.4% | +7.7% |
| Share Certificates | $3.9B | 26.4% | +10.4% |
| Share Drafts | $3.1B | 20.6% | +2.0% |
| Regular Shares | $2.7B | 18.2% | +0.9% |
| IRA/KEOGH | $652.2M | 4.4% | +5.5% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Robust deposit growth of this magnitude typically reflects competitive dividend rates, successful marketing campaigns, or strong community relationships driving member acquisition.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $14.0B | $12K | |
| 2024 Q3 | $14.1B | +0.7% | $12K |
| 2024 Q4 | $14.3B | +1.4% | $12K |
| 2025 Q1 | $14.7B | +3.1% | $12K |
| 2025 Q2 | $14.8B | +0.5% | $13K |
| 2025 Q3 | $14.9B | +0.7% | $13K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Randolph-Brooks Federal Credit Union serves 1,184,741 members, an increase of 2.2% year-over-year. The average member deposit of $13K has grown 3.5% compared to last year.
Strong deposit growth combined with member growth indicates successful market expansion and competitive deposit products.
Historical Context: Since the 2008 Crisis
Randolph-Brooks Federal Credit Union's deposit base has grown 502% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.5B in member deposits serving 274,107 members.
Membership has expanded 332% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 24 credit unions in its $9.5B–$28.4B asset peer group, Randolph-Brooks Federal Credit Union ranks in the 54th percentile for deposit growth.
Outlook
With strong deposit momentum, Randolph-Brooks Federal Credit Union appears well-positioned to fund loan growth and maintain competitive member services. Key factors to watch include deposit rate trends, member acquisition costs, and competitive dynamics in the TX market.
Randolph-Brooks Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Randolph-Brooks Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.