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
Call Report peers
LAREDO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); LAREDO sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Southwest Airlines (#59) ties at 93/100; one place down, Community Resource (#61) ties at 93/100.
Quarter path for LAREDO
LAREDO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $134.2M (2025Q4) to $135.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.14% → 11.15%).
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
LAREDO gives up 7 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is LAREDO financially healthy?
On its 2025Q4 NCUA 5300 filing, LAREDO scores 93/100 (Excellent), with a 11.15% net worth ratio and 0.47% of loans delinquent. It ranks #651 of 4,374 nationally on health and #60 of 386 in Texas.
How does LAREDO compare to other credit unions?
LAREDO scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.52% vs 0.62%). Its widest shortfall is loan-to-share ratio (63.23% vs 72.20%).
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?
LAREDO is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.