Credit Union Safety Analysis
Is Laredo Federal Credit Union Safe? Laredo, Texas
Based on its Q2 2026 NCUA 5300 call report, Laredo Federal Credit Union has a net worth ratio of 11.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.35%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Laredo Federal Credit Union's net worth ratio is 11.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.35%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 62.89%
Laredo Federal Credit Union (NCUA charter 11011, established 1956) reported $136.6M in assets and 17,893 members for Q2 2026 from Laredo, Texas. It ranks 124 of 377 credit unions in Texas by total assets. Total assets grew 0.3% from $136.2M on June 30, 2025. It has 148 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.61 percentage points from 10.70% on June 30, 2025. New vehicle loans are its largest loan category, $25.7M of $79.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.15% for Q1 2026; 10.70% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.29% for Q1 2026; 0.86% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.63% for Q1 2026; 0.98% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 62.71% for Q1 2026; 57.87% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $25.7M
- Used vehicle loans: $25.2M
- 1- to 4-family residential and other consumer real estate loans: $16.3M
- Other unsecured loans and lines of credit: $7.8M
- Other secured non-real estate loans and lines of credit: $4.0M
- Commercial loans: $9K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $136.6M | 11.31% | 0.35% | 0.88% | 62.89% |
| March 31, 2026 | $135.9M | 11.15% | 0.29% | 0.63% | 62.71% |
| December 31, 2025 | $134.2M | 11.14% | 0.47% | 0.65% | 63.23% |
| September 30, 2025 | $135.2M | 10.98% | 1.03% | 0.76% | 61.74% |
| June 30, 2025 | $136.2M | 10.70% | 0.86% | 0.98% | 57.87% |
| March 31, 2025 | $134.2M | 10.61% | 0.68% | 0.65% | 54.30% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Laredo Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11011) · FFIEC NIC profile (RSSD 842684)
Frequently asked questions
Is Laredo Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Laredo Federal Credit Union's net worth ratio is 11.31%, above the 7% NCUA threshold for well capitalized.
Is Laredo Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Laredo Federal Credit Union is a federally insured credit union (NCUA charter 11011): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Laredo Federal Credit Union's key safety ratios?
For Q2 2026, Laredo Federal Credit Union reports net worth 11.31%, delinquency 0.35%, ROA 0.88%, loan-to-share 62.89%.
What happens to my money if Laredo Federal Credit Union fails?
For Q2 2026, Laredo Federal Credit Union held $125.6M in shares and deposits for 17,893 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.