Credit Union Safety Analysis
Is Laredo Fire Department Federal Credit Union Safe? Laredo, Texas
Based on its Q2 2026 NCUA 5300 call report, Laredo Fire Department Federal Credit Union has a net worth ratio of 12.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.74%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Laredo Fire Department Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Laredo Fire Department Federal Credit Union's net worth ratio is 12.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.50%
- Delinquency ratio (60+ days) (Q2 2026): 1.74%
- Return on assets (Q2 2026): 0.51%
- Loan-to-share ratio (Q2 2026): 95.09%
Laredo Fire Department Federal Credit Union (NCUA charter 12472, established 1958) reported $14.7M in assets and 2,018 members for Q2 2026 from Laredo, Texas. It ranks 273 of 377 credit unions in Texas by total assets. Total assets fell 2.1% from $15.0M on June 30, 2025. It has 85 more members than on June 30, 2025 (+4.4%). Its net worth ratio was down 0.24 percentage points from 12.74% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $5.6M of $12.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.74% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.55% for Q1 2026; 12.74% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.96% for Q1 2026; 1.10% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.41% for Q1 2026; 1.81% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 94.06% for Q1 2026; 97.60% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $5.6M
- Used vehicle loans: $2.7M
- New vehicle loans: $2.6M
- Other secured non-real estate loans and lines of credit: $916K
- Unsecured credit card loans: $385K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.7M | 12.50% | 1.74% | 0.51% | 95.09% |
| March 31, 2026 | $14.6M | 12.55% | 0.96% | -0.41% | 94.06% |
| December 31, 2025 | $14.4M | 12.70% | 1.30% | -0.57% | 98.61% |
| September 30, 2025 | $14.5M | 12.87% | 0.89% | -1.59% | 99.66% |
| June 30, 2025 | $15.0M | 12.74% | 1.10% | 1.81% | 97.60% |
| March 31, 2025 | $15.1M | 12.24% | 0.21% | 1.11% | 92.59% |
Add this badge to your website
Free to use. It shows Laredo Fire Department Federal Credit Union’s latest filed figures and updates each quarter.
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 Fire Department Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12472) · FFIEC NIC profile (RSSD 554781)
Frequently asked questions
Is Laredo Fire Department Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Laredo Fire Department Federal Credit Union's net worth ratio is 12.50%, above the 7% NCUA threshold for well capitalized.
Is Laredo Fire Department Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Laredo Fire Department Federal Credit Union is a federally insured credit union (NCUA charter 12472): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Laredo Fire Department Federal Credit Union's key safety ratios?
For Q2 2026, Laredo Fire Department Federal Credit Union reports net worth 12.50%, delinquency 1.74%, ROA 0.51%, loan-to-share 95.09%.
What happens to my money if Laredo Fire Department Federal Credit Union fails?
For Q2 2026, Laredo Fire Department Federal Credit Union held $12.8M in shares and deposits for 2,018 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.