Credit Union Safety Analysis
Is Light Commerce Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, Light Commerce Credit Union has a net worth ratio of 26.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, 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, Light Commerce Credit Union's net worth ratio is 26.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 26.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 1.91%
- Loan-to-share ratio (Q2 2026): 62.14%
Light Commerce Credit Union (NCUA charter 68529, established 2004) reported $5.0M in assets and 805 members for Q2 2026 from Houston, Texas. It ranks 339 of 377 credit unions in Texas by total assets. Total assets fell 14.6% from $5.9M on June 30, 2025. It has 53 fewer members than on June 30, 2025 (-6.2%). Its net worth ratio was up 6.61 percentage points from 20.20% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $2.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% 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: 25.35% for Q1 2026; 20.20% 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: 1.62% for Q1 2026; 2.31% 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: 2.73% for Q1 2026; 3.50% 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: 62.63% for Q1 2026; 59.24% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.1M
- New vehicle loans: $688K
- Other secured non-real estate loans and lines of credit: $357K
- Other unsecured loans and lines of credit: $63K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.0M | 26.81% | 0.93% | 1.91% | 62.14% |
| March 31, 2026 | $5.2M | 25.35% | 1.62% | 2.73% | 62.63% |
| December 31, 2025 | $6.8M | 18.92% | 1.59% | 3.97% | 44.01% |
| September 30, 2025 | $6.0M | 20.21% | 1.31% | 2.12% | 54.36% |
| June 30, 2025 | $5.9M | 20.20% | 2.31% | 3.50% | 59.24% |
| March 31, 2025 | $5.3M | 21.30% | 0.63% | 3.56% | 82.24% |
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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.
Light Commerce Credit Union profile
Regulator records: NCUA credit union profile (charter 68529) · FFIEC NIC profile (RSSD 3235401)
Frequently asked questions
Is Light Commerce Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Light Commerce Credit Union's net worth ratio is 26.81%, above the 7% NCUA threshold for well capitalized.
Is Light Commerce Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Light Commerce Credit Union is a federally insured credit union (NCUA charter 68529): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Light Commerce Credit Union's key safety ratios?
For Q2 2026, Light Commerce Credit Union reports net worth 26.81%, delinquency 0.93%, ROA 1.91%, loan-to-share 62.14%.
What happens to my money if Light Commerce Credit Union fails?
For Q2 2026, Light Commerce Credit Union held $3.6M in shares and deposits for 805 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.