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RBFCU

Credit union offering low-cost financial services

Overview

RBFCU is a member-focused financial institution with more than 60 branch locations across Texas. It provides free and low-cost financial services, low-rate loans, and convenient mobile banking apps to help members manage money more efficiently. The way its services work is simple: members can use in-branch services or online/mobile platforms to save money, borrow at low rates, and access their accounts securely. What sets RBFCU apart from many competitors is its large local footprint in Texas, a focus on helping members save time, save money, and earn money, and the backing of federal insurance through the NCUA. The organization aims to support its members and communities by offering affordable financial products and easy-to-use digital tools, making everyday finances simpler and more cost-effective.

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About RBFCU

Simplify's Rating
Why RBFCU is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial ServicesReal Estate

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Live Oak, TX

Founded

N/A

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Simplify's take

What believers are saying

  • The October 2026 merger adds 64,000 Oklahoma City members and expands business lending.
  • RBFCU opened Manor in June 2026 and broke ground in Mesquite in April.
  • Management kept all True Sky branches open, preserving cross-sell opportunities through 2027 integration.

What critics are saying

  • Systems integration drags until late 2027, delaying full product access for True Sky members.
  • Oklahoma employees stay temporarily, but duplicate operations raise costs and merger friction.
  • A failed integration would damage RBFCU's member trust and undercut its merger rationale.

What makes RBFCU unique

  • RBFCU kept its name after the October 1, 2026 True Sky merger.
  • It serves 1.1 million members across Texas with nearly $20 billion assets.
  • Blend mortgage tools and Insuritas insurance scale deepen product breadth beyond deposits.

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Company News

PR Newswire
Oct 1st, 2026
RBFCU, True Sky Federal Credit Union Complete Merger

/PRNewswire/ -- Randolph-Brooks Federal Credit Union (RBFCU) has completed its merger with Oklahoma City-based True Sky Federal Credit Union, marking an...

Bankers Digest
Aug 13th, 2026
Ozona Bank welcomes Adams as commercial lender.

Ozona Bank welcomes Adams as commercial lender. August 13, 2026 Ozona Bank is welcoming Todd Adams to its commercial lending team. He brings more than 25 years of banking, credit and regulatory experience to serve businesses across Texas. Adams joins Ozona Bank after serving as a commercial loan officer at Randolph-Brooks Federal Credit Union, where he managed a robust commercial loan portfolio, including commercial and industrial loans, commercial real estate, agricultural lending and residential lending. A graduate of Hardin-Simmons University with a BBA degree in finance, Adam's banking career spans commercial lending, credit underwriting, loan review, compliance and bank examination. "Todd's extensive background in commercial lending and credit administration makes him an outstanding addition to our team," says Tommy Forsythe, president. "His experience, collaborative approach and commitment to helping businesses succeed align perfectly with our relationship-focused culture." Established in 1905, Ozona Bank has banking offices in Ozona, Wimberley, San Marcos and San Antonio.

PR Newswire
Jun 4th, 2026
RBFCU appoints Devin Hughes as senior vice president of finance

Randolph-Brooks Federal Credit Union has appointed Devin Hughes as senior vice president of finance. Hughes brings over 20 years of experience in treasury, asset-liability management, capital markets and financial-risk leadership. In his new role, Hughes will oversee RBFCU's finance, treasury, accounting and financial-risk functions, reporting to chief financial officer Zach Crews. He will help shape the credit union's financial strategy and optimise balance sheet performance. Hughes previously served as vice president of treasury at OnPoint Community Credit Union in Portland, Oregon. Before that, he spent 15 years with Zions Bancorporation in senior roles including head of treasury, liquidity and wealth risk. He holds an MBA in finance from Brigham Young University and is a chartered financial analyst. RBFCU serves over 1.1 million members with assets exceeding $19 billion.

Intelligence360 News
Mar 26th, 2025
Randolph Brooks Federal Credit Union To Spend $3 Million To Occupy 3,628 Square Feet Of Space In Manor Texas.

Randolph Brooks Federal Credit Union to spend $3 Million to occupy 3,628 square feet of space in Manor Texas. Randolph Brooks Federal Credit Union to spend $3 Million to occupy 3,628 square feet of space in Manor Texas.Manor, Texas — According to state and local development sources, Randolph Brooks Federal Credit Union plans to invest $3,000,000.00 to build out 3,628 square feet of new space in Manor. The company plans to occupy the new space at 10607 E US Hwy 290 EB in Manor, on or about April 1, 2026. According to the company website Randolph-Brooks Federal Credit Union is more than just a bank. We are a financial cooperative intent on helping members save time, save money and earn money. Whether its opening a first account, buying a car, building a dream home or planning for retirement, our team of dedicated professionals are here to help you achieve your goals and build a strong financial future

PR Newswire
Feb 6th, 2025
Rbfcu Insurance Agency Partners With Insuritas To Expand Offerings, Savings

Through a new arrangement, the agency will scale to 40+ carriers offering more competitive rates on a range of insurance solutions.LIVE OAK, Texas, Feb. 6, 2025 /PRNewswire/ -- RBFCU Insurance Agency LLC has selected Insuritas, a top provider of fully integrated insurance agency solutions for financial institutions, to manage and scale operations.With this expansion, Insuritas will take over operational management and leverage their BUNDLE digital agency platform, advanced data analytics and deep integrations with over 40+ insurance companies nationwide to offer truly competitive rates on home, auto, commercial and personal insurance.Based in the San Antonio-area community of Live Oak, RBFCU Insurance Agency is a wholly-owned subsidiary of Randolph-Brooks Federal Credit Union (RBFCU), the 11th largest credit union nationwide with 1.1 million members and 62 branches across Texas."Naturally, the agency's core commitment will remain the same, and that's to serve RBFCU members and non-members seeking affordable insurance solutions with care," said Edward Bronnenberg, Senior Vice President-Credit Union Service Organization (CUSO) Operations.The change is being made with consumers' interests top of mind."In recent years, we've watched as rates have skyrocketed and coverage options have narrowed — specifically for homeowners and auto insurance — in the wake of economic shifts, company mergers and tighter underwriting standards," said Bronnenberg. "At the same time, it's getting harder for some policyholders to keep their existing coverage, especially along the Texas coast. Our members have shared their stories with us in branches and on calls with our licensed insurance agents. We felt compelled to act decisively, hence this expansion.""Our leadership team felt a deep responsibility to develop a strategy to better serve members seeking more affordable premiums without sacrificing the quality of their coverage. By partnering with Insuritas to expand what the agency can do, we're positioning our members to tap into more carrier options and better prices using state-of-the-art technology at a critical time for budget-conscious consumers," said Robert Zearfoss, RBFCU Executive Vice President-Chief Lending Officer

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