TellerScore

Headquartered in Durham, North Carolina, Latino Community Credit Union is a federally insured state-chartered credit union with $1.0B in total assets and $735.0M in member shares and deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 2000.

Latino Community Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 37th. Capital cushion contributes the most (100/100, 24.23%); funding & liquidity contributes the least (37/100, 118% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.23%
Loan quality40/100
Loans 60+ days delinquent ÷ total loans: 1.81%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity37/100
Loans ÷ shares: 118.5% · 26.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.51%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202465
Q4 202465
Q1 202564
Q2 202564
Q3 202564
Q4 202562
Q1 202668
Q2 202664
Net worth ratio
7.00%15.61%24.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.34%
Q3 202421.83%
Q4 202422.87%
Q1 202522.95%
Q2 202523.04%
Q3 202523.27%
Q4 202523.71%
Q1 202623.78%
Q2 202624.23%
Delinquent loans (60+ days)
1.14%1.60%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20241.80%
Q4 20242.06%
Q1 20251.69%
Q2 20251.59%
Q3 20251.72%
Q4 20252.04%
Q1 20261.34%
Q2 20261.81%
Return on assets
0.35%0.74%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.71%
Q4 20241.13%
Q1 20250.35%
Q2 20250.49%
Q3 20250.61%
Q4 20250.73%
Q1 20260.67%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.0B24.23%1.81%0.78%118.5%
Q1 202668$1.1B23.78%1.34%0.67%114.2%
Q4 202562$1.0B23.71%2.04%0.73%115.2%
Q3 202564$1.1B23.27%1.72%0.61%113.8%
Q2 202564$1.1B23.04%1.59%0.49%113.3%
Q1 202564$1.1B22.95%1.69%0.35%114.6%
Q4 202465$1.1B22.87%2.06%1.13%115.0%
Q3 202465$1.1B21.83%1.80%0.71%111.8%
Q2 202473$1.0B22.34%1.14%0.85%116.1%

454 peers · $1 billion – $10 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 ratio24.23%
100th
Problem loans1.81%
5th
Net charge-offs0.57%
44th
Return on assets0.78%
47th
Loans to deposits118.5%
0th
Uninsured deposits26.8%
2nd
Loan-loss reserves0.00%
50th
Texas ratio6.5%
32nd

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Marine Federal Credit UnionCredit union Jacksonville, NC57 out of 100, Moderate$1.1B10.4%1.36%vs
Skyla Federal Credit UnionCredit union Charlotte, NC54 out of 100, Below average$1.7B9.6%1.32%vs
Self-Help Credit UnionCredit union Durham, NC64 out of 100, Moderate$2.2B24.5%1.97%vs
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC71 out of 100, Strong$2.6B11.4%0.65%vs
Civic Federal Credit UnionCredit union Raleigh, NC11 out of 100, Low$3.1B5.9%6.27%vs

Deposit insurance

Is my money safe at Latino Community Credit Union?

Yes. Latino Community Credit Union is a federally insured credit union (NCUA charter #68430). 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 26.8% of shares and deposits ($196.7M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 24.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

Latino Community Credit Union lists 16 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Latino Community Credit Union reported 432 home-loan applications under HMDA (LEI 549300GOPH3KDGIKIU33): 334 originated ($71,130,000 total), 35 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
LCCU Secured Visa Credit Card11.25%$0$101.0%
LCCU Unsecured Visa Credit Card16.25%$0$101.0%

All Latino Community Credit Union card terms

Identity & history

Profile

Legal name
Latino Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68430
RSSD ID
2915845
Primary regulator
State + NCUA
Established
2000
Headquarters
PO Box 14647, Durham, NC 27709
Employees
340

Quick answers

Latino Community Credit Union: common questions

Is Latino Community Credit Union NCUA insured?

Yes. Latino Community Credit Union is a federally insured credit union (NCUA charter #68430). 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 Latino Community Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Latino Community Credit Union have?

16 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Durham

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Vernon Baptist Church Credit UnionCredit union Durham, NC100 out of 100, Very strong$153K37.7%0.00%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%vs
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs