Federal credit union · Irving, Texas · NCUA charter #10424
Las Colinas
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $95.5M
- Total assets
- 10,096
- Members
- 7.6%
- Net-worth ratio
Las Colinas scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $95.5M; members 10,096; net-worth ratio 7.56%; health rank #3,967 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,967 of 4,374 health · 2025Q4Las Colinas · health 63/100 · $95.5M · 2025Q4
Call Report peers
Las Colinas in the assets neighbourhood
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Las Colinas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Las Colinas sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Las Colinas vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +32.32 pp (94.92% vs 62.60%).
- Largest lag: Net Worth Ratio at 7.56% vs peer 13.62% (-6.06 pp).
Texas standing for Las Colinas
- Health composite ranks #349 of 386 among scored Texas credit unions.
- Assets rank #149 of 386 inside Texas ($95.5M reported).
- Member book place in Texas: #128 of 386.
- One place up in Texas, Pampa Teachers (#348) ties at 63/100; one place down, Local 20 Ibew (#350) ties at 63/100.
How Las Colinas's 5300 filing moved
Las Colinas: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -6.7% from $102.3M (2024Q4) to $95.5M (2025Q4).
- Membership moved +1.8% from 9,918 to 10,096 over the same window.
- Net-worth ratio shifted -1.76 pp (9.32% → 7.56%).
7.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Las Colinas gives up 37 points in total. Delinquency Rate costs the most, 13 of its 25; Loan-to-Share Ratio loses the least, 2.2.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 12.0 pts
- Return on Assets 3.1 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 12.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.56% | -6.06 pp |
| Delinquency Rate | 2.09% | +1.12 pp |
| Return on Assets | -0.15% | -0.81 pp |
| Member Growth | 1.79% | - |
| Loan-to-Share Ratio | 94.92% | +32.32 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $95.5M | 10,096 |
| 2024Q4 | $102.3M | 9,918 |
| 2023Q4 | $104.2M | 9,645 |
Credit Union Details
- Charter Number
- 10424
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Irving
- Data Quarter
- 2025Q4
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Las Colinas
Using this data
- Las Colinas ranks #3,967 of 4,374 nationally on financial health and #349 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Edinburg Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Edinburg Teachers
Frequently Asked Questions
Is Las Colinas financially healthy?
Las Colinas has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,967 of 4,374 nationally on health and #349 of 386 in Texas. Its net worth ratio is 7.56% and its delinquency rate 2.09%.
How does Las Colinas compare to other credit unions?
Las Colinas scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (94.92% vs 62.60%). Its widest shortfall is net worth ratio (7.56% vs 13.62%).
How can I join Las Colinas?
Las Colinas 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 Las Colinas directly for the exact boundaries and application steps.
Is my money safe at Las Colinas?
Las Colinas 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. Las Colinas's net worth ratio of 7.56% 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.