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
Call Report peers
Laredo Fire Department in the assets neighbourhood
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
Laredo Fire Department sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
Texas standing for Laredo Fire Department
- Texas health ordinal: #179 of 386.
- Texas assets place: #279 of 386.
- Texas membership ordinal: #256 of 386.
- One place up in Texas, Chocolate Bayou Community (#178) ties at 85/100; one place down, Wichita Falls Teachers (#180) ties at 85/100.
Laredo Fire Department: 2025Q4 → 2026Q1
Laredo Fire Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $14.4M (2025Q4) to $14.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.70% → 12.55%).
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
Laredo Fire Department gives up 15 points in total. Delinquency Rate costs the most, 7.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Laredo Fire Department financially healthy?
On its 2025Q4 NCUA 5300 filing, Laredo Fire Department scores 85/100 (Excellent), with a 12.55% net worth ratio and 1.30% of loans delinquent. It ranks #1,957 of 4,374 nationally on health and #179 of 386 in Texas.
How does Laredo Fire Department compare to other credit unions?
Laredo Fire Department scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (98.61% vs 59.80%). Its widest shortfall is net worth ratio (12.55% vs 14.86%).
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?
Laredo Fire Department 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 Fire Department's net worth ratio of 12.55% 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.