South Texas Regional Federal Credit Union Laredo, Texas
South Texas Regional Federal Credit Union is a federal credit union headquartered in Laredo, TX, established in 1950 (NCUA charter 7024), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,249 members and total assets of $5.7M (up 2.0% from Q2 2025), the 330th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.47% at Q2 2026, in the well capitalized band.
Also written as South Texas Regional 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
- 7024
- Headquarters
- Laredo, TX
- Established
- 1950
- Total assets, Q2 2026
- $5.7M
- Assets vs Q2 2025
- +2.0%
- Members, Q2 2026
- 1,249
- Net worth ratio, Q2 2026
- 15.47%
- Latest call report
- Q2 2026, NCUA 5300 · South Texas Regional Federal Credit Union call report
- Asset rank in state
- 330th of 377 in Texas
- Routing number
- 314985552
- Branches
- 3
It has 111 fewer members than on June 30, 2025 (-8.2%). Its net worth ratio was up 1.17 percentage points from 14.30% on June 30, 2025. New vehicle loans are its largest loan category, $1.6M of $3.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.47% net worth ratio is above that band's 14.31% median.
Frequently asked about South Texas Regional Federal Credit Union
How big is South Texas Regional Federal Credit Union?
At Q2 2026 it reported total assets of $5.7M and 1,249 members.
Where is South Texas Regional Federal Credit Union headquartered?
It is headquartered in Laredo, TX, United States.
When was South Texas Regional Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is South Texas Regional Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7024): 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 South Texas Regional Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is South Texas Regional Federal Credit Union well capitalized?
Its net worth ratio was 15.47% 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 South Texas Regional Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is South Texas Regional Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Laredo, TX 78041
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 7024
- RSSD ID
- 405687
- Members
- 1,249
- Potential members
- 3,000
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 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.47% | 14.31% | 56th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.18% | 0.72% | 26th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.13% | 4.74% | 26th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.70% | 3.93% | 79th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.16% | 79.83% | 30th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.29% | 0.78% | 80th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.15% | 0.86% | 88th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.00% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 80.49% | 58.92% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.7M total assets against $5.6M; $4.8M total shares and deposits against $4.7M; $3.9M total loans against $3.9M.
$881K net worth against $798K.
15.47% net worth ratio against 14.30%.
80.49% loan-to-share ratio against 82.50%.
0.15% delinquency ratio against 0.16%.
0.18% return on assets against 0.43%; 1.13% return on equity against 2.97%.
4.70% net interest margin against 4.71%.
1,249 members against 1,360.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.47% | 0.18% | 0.15% | 80.49% |
| March 31, 2026 | 15.64% | 0.77% | 1.72% | 82.64% |
| December 31, 2025 | 14.36% | 0.07% | 0.62% | 85.49% |
| September 30, 2025 | 14.29% | 0.42% | 0.19% | 81.53% |
| June 30, 2025 | 14.30% | 0.43% | 0.16% | 82.50% |
| March 31, 2025 | 14.51% | 0.20% | 0.12% | 84.46% |
Scroll sideways to see every column.
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.