Federal credit union · Laredo, Texas · NCUA charter #12472
Laredo Fire Department
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $14.4M
- Total assets
- 1,952
- Members
- 12.7%
- Net-worth ratio
Laredo Fire Department - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12472 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Laredo Fire Department - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)71
- Earnings (ROA)100
- Member growth77
- Liquidity (loan-to-share)74
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.70% | 30% |
| Delinquency Rate | 1.30% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 2.09% | 15% |
| Loan-to-Share Ratio | 98.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $14.4M | 1,952 |
| 2024Q4 | $15.2M | 1,912 |
| 2023Q4 | $15.6M | 1,828 |
Credit Union Details
- Charter Number
- 12472
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Laredo
- Data Quarter
- 2025Q4
What This Data Says About Laredo Fire Department
Charter #12472, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Laredo Fire Department, a federal credit union in Laredo, Texas with 1,952 members, $14.4M in total assets, and $12.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 85/100 (Excellent), helped by a net worth ratio of 12.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.30% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 98.61% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.57% on net income of $82K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.09%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Laredo Fire Department financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Laredo Fire Department carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.70% net worth ratio and a 1.30% delinquency rate.
How does Laredo Fire Department compare to other credit unions?
PlainCU's health composite puts Laredo Fire Department at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Fire Department?
Laredo Fire Department serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Laredo Fire Department directly for the current list of qualifying groups.
Is my money safe at Laredo Fire Department?
Federal credit unions like Laredo Fire Department 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 Fire Department's net worth ratio of 12.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Laredo Fire Department offer compared to banks?
Credit unions like Laredo Fire Department 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 Fire Department directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.