Local 20 Ibew Federal Credit Union Grand Prairie, Texas
Local 20 Ibew Federal Credit Union is a federal credit union headquartered in Grand Prairie, TX, established in 1964 (NCUA charter 16429), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,648 members and total assets of $9.4M (up 14.0% from Q2 2025), the 308th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 5.97% at Q2 2026, in the undercapitalized band.
Also written as Local 20 Ibew FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 16429
- Headquarters
- Grand Prairie, TX
- Established
- 1964
- Total assets, Q2 2026
- $9.4M
- Assets vs Q2 2025
- +14.0%
- Members, Q2 2026
- 4,648
- Net worth ratio, Q2 2026
- 5.97%
- Latest call report
- Q2 2026, NCUA 5300 · Local 20 Ibew Federal Credit Union call report
- Asset rank in state
- 308th of 377 in Texas
- Routing number
- 311079843
- Branches
- 1
It has 1,101 more members than on June 30, 2025 (+31.0%). Its net worth ratio was down 1.29 percentage points from 7.26% on June 30, 2025. New vehicle loans are its largest loan category, $1.7M of $4.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.62% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 5.97% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Local 20 Ibew Federal Credit Union
How big is Local 20 Ibew Federal Credit Union?
At Q2 2026 it reported total assets of $9.4M and 4,648 members.
Where is Local 20 Ibew Federal Credit Union headquartered?
It is headquartered in Grand Prairie, TX, United States.
When was Local 20 Ibew Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is Local 20 Ibew Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16429): 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 Local 20 Ibew Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Local 20 Ibew Federal Credit Union well capitalized?
Its net worth ratio was 5.97% at Q2 2026, in the undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Local 20 Ibew Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.62% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Local 20 Ibew Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 51.30% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Grand Prairie, TX 75050
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16429
- RSSD ID
- 797681
- Members
- 4,648
- Potential members
- 4,748
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 5.97% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.32% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -38.84% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.17% | 3.93% | 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.70% | 79.83% | 46th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.04% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.62% | 0.86% | 12th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.21% | 4.70% | 70th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 51.30% | 58.92% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.4M total assets against $8.2M; $8.8M total shares and deposits against $7.6M; $4.5M total loans against $4.3M.
$562K net worth against $598K.
5.97% net worth ratio against 7.26%.
51.30% loan-to-share ratio against 56.81%.
3.62% delinquency ratio against 3.88%.
-2.32% return on assets against 1.03%; -38.84% return on equity against 14.22%.
5.17% net interest margin against 5.86%.
4,648 members against 3,547.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 5.97% | -2.32% | 3.62% | 51.30% |
| March 31, 2026 | 6.80% | 0.54% | 4.05% | 56.97% |
| December 31, 2025 | 7.16% | 0.26% | 3.99% | 56.88% |
| September 30, 2025 | 7.09% | 0.02% | 4.66% | 57.82% |
| June 30, 2025 | 7.26% | 1.03% | 3.88% | 56.81% |
| March 31, 2025 | 7.15% | -0.18% | 3.40% | 59.04% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.