Credit Union Safety Analysis
Is Latino Community Credit Union Safe? Durham, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Latino Community Credit Union has a net worth ratio of 24.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.81%, 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, Latino Community Credit Union's net worth ratio is 24.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.23%
- Delinquency ratio (60+ days) (Q2 2026): 1.81%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 118.48%
Latino Community Credit Union (NCUA charter 68430, established 2000) reported $1.04B in assets and 124,269 members for Q2 2026 from Durham, North Carolina. It ranks 10 of 56 credit unions in North Carolina by total assets. Total assets fell 1.4% from $1.06B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 23.78% for Q1 2026; 23.04% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.34% for Q1 2026; 1.59% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.67% for Q1 2026; 0.63% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 114.22% for Q1 2026; 113.32% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $681.2M
- Used vehicle loans: $131.3M
- New vehicle loans: $38.2M
- Other unsecured loans and lines of credit: $9.5M
- Unsecured credit card loans: $9.0M
- Other secured non-real estate loans and lines of credit: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.04B | 24.23% | 1.81% | 0.88% | 118.48% |
| March 31, 2026 | $1.05B | 23.78% | 1.34% | 0.67% | 114.22% |
| December 31, 2025 | $1.05B | 23.71% | 2.04% | 1.08% | 115.17% |
| September 30, 2025 | $1.06B | 23.27% | 1.72% | 0.84% | 113.75% |
| June 30, 2025 | $1.06B | 23.04% | 1.59% | 0.63% | 113.32% |
| March 31, 2025 | $1.05B | 22.95% | 1.69% | 0.35% | 114.57% |
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Free to use. It shows Latino Community 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.
Latino Community Credit Union profile
Regulator records: NCUA credit union profile (charter 68430) · FFIEC NIC profile (RSSD 2915845)
Frequently asked questions
Is Latino Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Latino Community Credit Union's net worth ratio is 24.23%, above the 7% NCUA threshold for well capitalized.
Is Latino Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Latino Community Credit Union is a federally insured credit union (NCUA charter 68430): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Latino Community Credit Union's key safety ratios?
For Q2 2026, Latino Community Credit Union reports net worth 24.23%, delinquency 1.81%, ROA 0.88%, loan-to-share 118.48%.
What happens to my money if Latino Community Credit Union fails?
For Q2 2026, Latino Community Credit Union held $735.0M in shares and deposits for 124,269 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.