Federal credit union · Laredo, Texas · NCUA charter #11011
LAREDO
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $134.2M
- Total assets
- 18,068
- Members
- 11.2%
- Net-worth ratio
LAREDO scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.2M; members 18,068; net-worth ratio 11.15%; health rank #651 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#651 of 4,374 health · 2025Q4LAREDO · health 93/100 · $134.2M · 2025Q4
- CAMELS 93/100
- HEALTH 11.2%
- NW 0.47%
- DELQ 1.52%
- ROA $134.2M
- ASSETS 18,068
- MEM #651/4,374
- RANK Greater Cincinnati School
- PHOTO 11011
Call Report peers
LAREDO in the assets neighbourhood
LAREDO's $134.2M assets sit next to Greater Cincinnati School ($134.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LAREDO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
LAREDO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11011: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
LAREDO vs $100M–$500M peers
- Largest favorable gap: Return on Assets at 1.52% vs peer 0.62% (+0.89 pp).
- Loan-to-Share Ratio trails the peer set - 63.23% here, 72.20% peer average (-8.97 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LAREDO: in-state Call Report ranks
- Health composite ranks #60 of 386 among scored Texas credit unions.
- Texas assets place: #127 of 386.
- Membership ranks #91 of 386 among Texas CUs with a reported count (18,068 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LAREDO
LAREDO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $134.2M (2025Q4) to $135.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.14% → 11.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for LAREDO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.15% | -0.96 pp |
| Delinquency Rate | 0.47% | -0.42 pp |
| Return on Assets | 1.52% | +0.89 pp |
| Member Growth | 0.07% | - |
| Loan-to-Share Ratio | 63.23% | -8.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.9M | - |
| 2025Q4 | $134.2M | 18,068 |
| 2024Q4 | $129.8M | 18,056 |
| 2023Q4 | $135.2M | 18,494 |
Credit Union Details
- Charter Number
- 11011
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Laredo
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, LAREDO runs 3 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Laredo, TX |
| McPherson Branch | Laredo, TX |
| South Branch | Laredo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
LAREDO's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($134.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- LAREDO ranks #651 of 4,374 nationally on financial health and #60 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLIED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLIED
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LAREDO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LAREDO carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #651 of 4,374; by total assets it ranks #1,579 of 4,374 nationally (same basis as /rankings/largest); and #127 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.15% net worth ratio and a 0.47% delinquency rate.
How does LAREDO compare to other credit unions?
LAREDO scores 93/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join LAREDO?
LAREDO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LAREDO directly for the exact boundaries and application steps.
Is my money safe at LAREDO?
Federal credit unions like LAREDO are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LAREDO's net worth ratio of 11.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAREDO offer compared to banks?
Credit unions like LAREDO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact LAREDO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.