TellerScore

Ila 1351 Federal Credit Union is a federal credit union headquartered in La Porte, Texas, in business for about 60 years. At the end of Q2 2026 it reported $17.3M in total assets and $14.1M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Ila 1351 Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 29th. Its strongest component is capital cushion (100/100; 17.01%), and its lowest is earnings (68/100; 1.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.01%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity92/100
Loans ÷ shares: 68.4% · 8.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (96 → 92), mostly because the earnings component weakened by 17 points.

TellerScore
919598Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202498
Q3 202498
Q4 202491
Q1 202597
Q2 202596
Q3 202597
Q4 202591
Q1 202693
Q2 202692
Net worth ratio
7.00%12.41%17.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.41%
Q3 202417.82%
Q4 202416.84%
Q1 202517.03%
Q2 202516.64%
Q3 202517.38%
Q4 202516.03%
Q1 202616.55%
Q2 202617.01%
Delinquent loans (60+ days)
0.00%0.03%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.07%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.88%1.35%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.78%
Q3 20241.82%
Q4 20240.92%
Q1 20251.65%
Q2 20251.62%
Q3 20251.68%
Q4 20250.88%
Q1 20261.13%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$17.3M17.01%0.00%1.20%68.4%
Q1 202693$17.4M16.55%0.00%1.13%60.3%
Q4 202591$17.7M16.03%0.00%0.88%57.2%
Q3 202597$16.6M17.38%0.00%1.68%64.8%
Q2 202596$16.9M16.64%0.07%1.62%61.5%
Q1 202597$16.1M17.03%0.00%1.65%63.0%
Q4 202491$15.9M16.84%0.00%0.92%61.8%
Q3 202498$15.4M17.82%0.00%1.82%62.3%
Q2 202498$15.3M17.41%0.00%1.78%59.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.01%
65th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.20%
76th
Loans to deposits68.4%
36th
Uninsured deposits8.3%
10th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Texas

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Cowboy Country Federal Credit UnionCredit union Premont, TX46 out of 100, Below average$16.8M14.8%6.70%vs
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Deposit insurance

Is my money safe at Ila 1351 Federal Credit Union?

Yes. Ila 1351 Federal Credit Union is a federally insured credit union (NCUA charter #17253). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.3% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Ila 1351 Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ila 1351 Federal Credit Union
Type
Federal credit union
NCUA charter #
17253
RSSD ID
1016389
Primary regulator
NCUA
Established
1966
Headquarters
10920 Spencer Hwy, La Porte, TX 77571
Employees
5

Quick answers

Ila 1351 Federal Credit Union: common questions

Is Ila 1351 Federal Credit Union NCUA insured?

Yes. Ila 1351 Federal Credit Union is a federally insured credit union (NCUA charter #17253). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ila 1351 Federal Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ila 1351 Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near La Porte

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs