Headquartered in Dallas, Texas, The Local Federal Credit Union is a federal credit union with $25.8M in total assets and $19.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1977.
Based on its Q2 2026 filing, The Local Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 198th. Its strongest component is capital cushion (100/100; 21.18%), and its lowest is earnings (15/100; -0.12%).
TellerScore · Q2 2026
Scorecard
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 8 points (64 → 72), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 57 |
| Q4 2024 | 66 |
| Q1 2025 | 62 |
| Q2 2025 | 64 |
| Q3 2025 | 72 |
| Q4 2025 | 75 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.60% |
| Q3 2024 | 20.92% |
| Q4 2024 | 21.68% |
| Q1 2025 | 21.22% |
| Q2 2025 | 21.74% |
| Q3 2025 | 22.22% |
| Q4 2025 | 22.31% |
| Q1 2026 | 21.95% |
| Q2 2026 | 21.18% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.32% |
| Q3 2024 | 2.75% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.72% |
| Q3 2025 | 1.09% |
| Q4 2025 | 0.84% |
| Q1 2026 | 1.26% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.46% |
| Q1 2025 | -0.23% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.69% |
| Q2 2026 | -0.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $25.8M | 21.18% | 0.57% | -0.12% | 99.2% |
| Q1 2026 | 71 | $25.2M | 21.95% | 1.26% | 0.69% | 105.3% |
| Q4 2025 | 75 | $24.6M | 22.31% | 0.84% | 0.76% | 106.8% |
| Q3 2025 | 72 | $24.4M | 22.22% | 1.09% | 0.74% | 116.3% |
| Q2 2025 | 64 | $24.6M | 21.74% | 1.72% | 0.35% | 116.3% |
| Q1 2025 | 62 | $24.9M | 21.22% | 1.43% | -0.23% | 112.4% |
| Q4 2024 | 66 | $24.4M | 21.68% | 1.59% | 0.46% | 116.6% |
| Q3 2024 | 57 | $25.4M | 20.92% | 2.75% | 0.71% | 116.0% |
| Q2 2024 | 60 | $25.5M | 20.60% | 2.32% | 0.56% | 109.6% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Concho Valley Credit UnionCredit union San Angelo, TX | 78 out of 100, Strong | $25.7M | 11.4% | 0.14% | vs |
| Shared Resources Credit UnionCredit union Pasadena, TX | 64 out of 100, Moderate | $25.4M | 12.7% | 0.57% | vs |
| Grand Prairie Credit UnionCredit union Grand Prairie, TX | 81 out of 100, Strong | $25.2M | 11.6% | 0.05% | vs |
| Texhillco School Employees Federal Credit UnionCredit union Kerrville, TX | 58 out of 100, Moderate | $26.7M | 9.9% | 0.61% | vs |
| Yantis Federal Credit UnionCredit union Yantis, TX | 82 out of 100, Strong | $26.8M | 13.4% | 0.01% | vs |
| Dallas U.P. Employees Credit UnionCredit union Dallas, TX | 81 out of 100, Strong | $27.2M | 24.3% | 1.54% | vs |
Deposit insurance
Is my money safe at The Local Federal Credit Union?
Yes. The Local Federal Credit Union is a federally insured credit union (NCUA charter #22747). 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 3.0% of shares and deposits ($589K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 21.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
The Local Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Dallas, TX (1)
- Irving, TX (1)
Identity & history
Profile
- Legal name
- The Local Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 22747
- RSSD ID
- 336286
- Primary regulator
- NCUA
- Established
- 1977
- Headquarters
- P.O. Box 560303, Dallas, TX 75356
- Employees
- 12
Quick answers
The Local Federal Credit Union: common questions
Is The Local Federal Credit Union NCUA insured?
Yes. The Local Federal Credit Union is a federally insured credit union (NCUA charter #22747). 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 The Local Federal Credit Union's TellerScore?
72 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 The Local Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dallas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |