Federal credit union · Laredo, Texas · NCUA charter #12472
Laredo Fire Department
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $14.4M
- Total assets
- 1,952
- Members
- 12.6%
- Net-worth ratio
Laredo Fire Department scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 1,952; net-worth ratio 12.55%; health rank #1,957 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,957 of 4,374 health · 2025Q4Laredo Fire Department · health 85/100 · $14.4M · 2025Q4
- PHOTO 85/100
- BOOK 12.6%
- CHARTER 1.30%
- NCUSIF 0.57%
- CAMELS $14.4M
- HEALTH 1,952
- NW #1,957/4,374
- DELQ Memphis Municipal Employees
- ROA 12472
Call Report peers
Laredo Fire Department in the assets neighbourhood
Laredo Fire Department's $14.4M assets sit next to Memphis Municipal Employees ($14.4M) 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 Fire Department 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
85 Top 46% higher than 54% 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 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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 98.61% vs peer 59.80% (+38.81 pp).
- Largest lag: Net Worth Ratio at 12.55% vs peer 14.86% (-2.31 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Laredo Fire Department
- Texas health ordinal: #179 of 386.
- Texas assets place: #279 of 386.
- Texas membership ordinal: #256 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Laredo Fire Department: 2025Q4 → 2026Q1
Laredo Fire Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $14.4M (2025Q4) to $14.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.70% → 12.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 10.8 pts
Laredo Fire Department health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.55% | -2.31 pp |
| Delinquency Rate | 1.30% | +0.16 pp |
| Return on Assets | 0.57% | -0.13 pp |
| Member Growth | 2.09% | - |
| Loan-to-Share Ratio | 98.61% | +38.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Laredo Fire Department
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.6M | - |
| 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
Branch Locations (2)
Laredo Fire Department operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Laredo Fire Dept. federal Credit Union (Main Office) | Laredo, TX |
| FedComp, Inc. | Fairfax, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Laredo Fire Department's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Laredo Fire Department ranks #1,957 of 4,374 nationally on financial health and #179 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alpine Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alpine Community
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,957 of 4,374; by total assets it ranks #3,348 of 4,374 nationally (same basis as /rankings/largest); and #279 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.55% 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 12.55% 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.
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.