Latino Community Credit Union Durham, North Carolina
Latino Community Credit Union is a state-chartered credit union headquartered in Durham, NC, established in 2000 (NCUA charter 68430), and it is regulated and insured by the NCUA. At Q2 2026 it reported 124,269 members and total assets of $1.04B (down 1.4% from Q2 2025), the 10th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 24.23% at Q2 2026, in the well capitalized band.
Also written as Latino Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68430
- Headquarters
- Durham, NC
- Established
- 2000
- Total assets, Q2 2026
- $1.04B
- Assets vs Q2 2025
- -1.4%
- Members, Q2 2026
- 124,269
- Net worth ratio, Q2 2026
- 24.23%
- Latest call report
- Q2 2026, NCUA 5300 · Latino Community Credit Union call report
- Asset rank in state
- 10th of 56 in North Carolina
- Routing number
- 053185503
- Branches
- 16
It has 5,785 fewer members than on June 30, 2025 (-4.4%). Its net worth ratio was up 1.19 percentage points from 23.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $681.2M of $870.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.81% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 24.23% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in North Carolina
Frequently asked about Latino Community Credit Union
How big is Latino Community Credit Union?
At Q2 2026 it reported total assets of $1.04B and 124,269 members.
Where is Latino Community Credit Union headquartered?
It is headquartered in Durham, NC, United States.
When was Latino Community Credit Union founded?
It was established in 2000, per NCUA records.
Is Latino Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68430): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Latino Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Latino Community Credit Union well capitalized?
Its net worth ratio was 24.23% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Latino Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.81% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Latino Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 118.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Durham, NC 27701
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2000
- NCUA Charter #
- 68430
- RSSD ID
- 2915845
- Members
- 124,269
- Potential members
- 360,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 24.23% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.88% | 0.89% | 50th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.64% | 8.07% | 16th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.72% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 78.07% | 70.59% | 23rd bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.84% | 1.68% | 37th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.81% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.56% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 118.48% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.04B total assets against $1.06B; $735.0M total shares and deposits against $753.5M; $870.9M total loans against $853.9M.
$252.5M net worth against $243.4M.
24.23% net worth ratio against 23.04%.
118.48% loan-to-share ratio against 113.32%.
1.81% delinquency ratio against 1.59%.
0.88% return on assets against 0.63%; 3.64% return on equity against 2.73%.
4.72% net interest margin against 4.45%.
124,269 members against 130,054.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 24.23% | 0.88% | 1.81% | 118.48% |
| March 31, 2026 | 23.78% | 0.67% | 1.34% | 114.22% |
| December 31, 2025 | 23.71% | 1.08% | 2.04% | 115.17% |
| September 30, 2025 | 23.27% | 0.84% | 1.72% | 113.75% |
| June 30, 2025 | 23.04% | 0.63% | 1.59% | 113.32% |
| March 31, 2025 | 22.95% | 0.35% | 1.69% | 114.57% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.