TellerScore

Laredo Federal Credit Union is a federal credit union headquartered in Laredo, Texas, in business for about 70 years. At the end of Q2 2026 it reported $136.6M in total assets and $125.6M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Laredo Federal Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 170th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 3% uninsured), and its lowest is earnings (50/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.31%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity97/100
Loans ÷ shares: 62.9% · 2.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.04%

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 rose 6 points (69 → 75), mostly because the loan quality component improved by 17 points.

TellerScore
697581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202478
Q4 202476
Q1 202570
Q2 202569
Q3 202569
Q4 202573
Q1 202675
Q2 202675
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.96%
Q3 202410.32%
Q4 202410.81%
Q1 202510.61%
Q2 202510.70%
Q3 202510.98%
Q4 202511.14%
Q1 202611.15%
Q2 202611.31%
Delinquent loans (60+ days)
0.29%0.66%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.68%
Q4 20240.85%
Q1 20250.68%
Q2 20250.86%
Q3 20251.03%
Q4 20250.47%
Q1 20260.29%
Q2 20260.35%
Return on assets
0.63%1.35%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.08%
Q3 20241.77%
Q4 20241.57%
Q1 20250.65%
Q2 20250.81%
Q3 20250.80%
Q4 20250.77%
Q1 20260.63%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$136.6M11.31%0.35%0.75%62.9%
Q1 202675$135.9M11.15%0.29%0.63%62.7%
Q4 202573$134.2M11.14%0.47%0.77%63.2%
Q3 202569$135.2M10.98%1.03%0.80%61.7%
Q2 202569$136.2M10.70%0.86%0.81%57.9%
Q1 202570$134.2M10.61%0.68%0.65%54.3%
Q4 202476$129.8M10.81%0.85%1.57%53.0%
Q3 202478$134.7M10.32%0.68%1.77%51.9%
Q2 202481$135.8M9.96%0.43%2.08%50.4%

1,341 peers · $100 million – $1 billion

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 ratio11.31%
49th
Problem loans0.35%
78th
Net charge-offs0.35%
51st
Return on assets0.75%
51st
Loans to deposits62.9%
74th
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio2.0%
75th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mtcu Credit UnionCredit union Midland, TX69 out of 100, Moderate$137.3M12.5%0.80%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs
Texas Health Credit UnionCredit union Austin, TX66 out of 100, Moderate$134.3M13.8%2.17%vs
Eastex Credit UnionCredit union Evadale, TX81 out of 100, Strong$131.7M11.5%0.16%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs

Deposit insurance

Is my money safe at Laredo Federal Credit Union?

Yes. Laredo Federal Credit Union is a federally insured credit union (NCUA charter #11011). 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 2.9% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.31%, 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

Laredo Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Laredo Federal Credit Union reported 36 home-loan applications under HMDA (LEI 5493004ZMFHUD3MB7B40): 28 originated ($2,830,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Laredo Federal Credit Union
Type
Federal credit union
NCUA charter #
11011
RSSD ID
842684
Primary regulator
NCUA
Established
1956
Headquarters
1119 Corpus Christi St, Laredo, TX 78040
Employees
42

Quick answers

Laredo Federal Credit Union: common questions

Is Laredo Federal Credit Union NCUA insured?

Yes. Laredo Federal Credit Union is a federally insured credit union (NCUA charter #11011). 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 Laredo Federal Credit Union's TellerScore?

75 out of 100 (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 Laredo Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Laredo

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs