TellerScore

Headquartered in Deer Park, Texas, Lubrizol Employees' Credit Union is a federally insured state-chartered credit union with $51.2M in total assets and $41.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.

Based on its Q2 2026 filing, Lubrizol Employees' Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 66th. Its strongest component is capital cushion (100/100; 18.78%), and its lowest is earnings (52/100; 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.78%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity99/100
Loans ÷ shares: 61.2% · 10.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.16%

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 (86 → 86).

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202492
Q4 202484
Q1 202586
Q2 202586
Q3 202587
Q4 202583
Q1 202684
Q2 202686
Net worth ratio
7.00%13.07%19.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.88%
Q3 202417.14%
Q4 202417.68%
Q1 202517.54%
Q2 202518.26%
Q3 202519.14%
Q4 202519.12%
Q1 202618.84%
Q2 202618.78%
Delinquent loans (60+ days)
0.23%0.66%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.23%
Q4 20241.08%
Q1 20250.49%
Q2 20250.52%
Q3 20250.43%
Q4 20250.58%
Q1 20260.57%
Q2 20260.44%
Return on assets
0.69%0.94%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.19%
Q4 20241.15%
Q1 20250.73%
Q2 20250.89%
Q3 20250.86%
Q4 20250.69%
Q1 20260.74%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$51.2M18.78%0.44%0.80%61.2%
Q1 202684$50.4M18.84%0.57%0.74%63.1%
Q4 202583$49.2M19.12%0.58%0.69%66.4%
Q3 202587$49.1M19.14%0.43%0.86%65.6%
Q2 202586$50.9M18.26%0.52%0.89%62.5%
Q1 202586$52.3M17.54%0.49%0.73%58.9%
Q4 202484$51.3M17.68%1.08%1.15%59.0%
Q3 202492$52.3M17.14%0.23%1.19%57.5%
Q2 202487$52.1M16.88%0.73%1.15%58.7%

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 ratio18.78%
73rd
Problem loans0.44%
61st
Net charge-offs0.42%
31st
Return on assets0.80%
58th
Loans to deposits61.2%
46th
Uninsured deposits10.8%
6th
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Trans Texas Southwest Credit UnionCredit union San Angelo, TX77 out of 100, Strong$51.0M13.3%0.54%vs
Caprock Santa Fe Credit UnionCredit union Slaton, TX85 out of 100, Very strong$51.5M41.7%1.77%vs
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Star Financial Credit UnionCredit union Corpus Christi, TX70 out of 100, Strong$48.8M11.0%0.40%vs
Houston Highway Credit UnionCredit union Houston, TX64 out of 100, Moderate$48.4M10.9%1.14%vs
Walker County Federal Credit UnionCredit union Huntsville, TX85 out of 100, Very strong$54.3M16.5%0.57%vs

Deposit insurance

Is my money safe at Lubrizol Employees' Credit Union?

Yes. Lubrizol Employees' Credit Union is a federally insured credit union (NCUA charter #60378). 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 10.8% of shares and deposits ($4.5M) 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 18.78%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lubrizol Employees' Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lubrizol Employees' Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60378
RSSD ID
88790
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 158, Deer Park, TX 77536
Employees
8

Quick answers

Lubrizol Employees' Credit Union: common questions

Is Lubrizol Employees' Credit Union NCUA insured?

Yes. Lubrizol Employees' Credit Union is a federally insured credit union (NCUA charter #60378). 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 Lubrizol Employees' Credit Union's TellerScore?

86 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 Lubrizol Employees' Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Deer Park

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
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs