Federal credit union · lefors, Texas · NCUA charter #13777
LEFORS
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $3.1M
- Total assets
- 542
- Members
- 23.5%
- Net-worth ratio
LEFORS scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 542; net-worth ratio 23.46%; health rank #3,315 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,315 of 4,374 health · 2025Q4LEFORS · health 74/100 · $3.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LEFORS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LEFORS sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LEFORS: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 72.08% vs peer 63.60% (+8.48 pp).
- Largest lag: Return on Assets at -0.01% vs peer 0.45% (-0.46 pp).
Where LEFORS sits in Texas
- Texas health ordinal: #290 of 386.
- Texas assets place: #365 of 386.
- Texas membership ordinal: #361 of 386.
- One place up in Texas, BEACON (#289) scores 75/100, 1 point higher; one place down, VELOCITY (#291) ties at 74/100.
Quarter path for LEFORS
LEFORS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.6% from $3.1M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted +0.68 pp (22.78% → 23.46%).
23.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
LEFORS gives up 26 points in total. Return on Assets costs the most, 10.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 4.4 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.46% | +4.40 pp |
| Delinquency Rate | 1.13% | -0.68 pp |
| Return on Assets | -0.01% | -0.46 pp |
| Member Growth | -1.63% | - |
| Loan-to-Share Ratio | 72.08% | +8.48 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.0M | - |
| 2025Q4 | $3.1M | 542 |
| 2024Q4 | $3.1M | 551 |
| 2023Q4 | $3.4M | 573 |
Credit Union Details
- Charter Number
- 13777
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- lefors
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for LEFORS.
| Office | City |
|---|---|
| Lefors FCU (Main Office) | Lefors, 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
Similar health score
Using this data
- LEFORS ranks #3,315 of 4,374 nationally on financial health and #290 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Federal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Federal Employees
Frequently Asked Questions
Is LEFORS financially healthy?
LEFORS has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,315 of 4,374 nationally on health and #290 of 386 in Texas. Its net worth ratio is 23.46% and its delinquency rate 1.13%.
How does LEFORS compare to other credit unions?
LEFORS scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (72.08% vs 63.60%). Its widest shortfall is return on assets (-0.01% vs 0.45%).
How can I join LEFORS?
LEFORS 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 LEFORS directly for the exact boundaries and application steps.
Is my money safe at LEFORS?
LEFORS 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. LEFORS's net worth ratio of 23.46% 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.