State credit union · HOUSTON, Texas · NCUA charter #68529
Light Commerce
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $6.8M
- Total assets
- 819
- Members
- 25.4%
- Net-worth ratio
Light Commerce scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.8M; members 819; net-worth ratio 25.35%; health rank #3,226 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,226 of 4,374 health · 2025Q4Light Commerce · health 75/100 · $6.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Light Commerce vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Light Commerce sits in 75-79 with 502 others.
75 24th percentile higher than 24% 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
Where Light Commerce diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +6.29 pp (25.35% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 44.01% here, 63.60% peer average (-19.59 pp).
Texas standing for Light Commerce
- Health composite ranks #284 of 386 among scored Texas credit unions.
- By total assets, Light Commerce is #329 of 386 in Texas.
- Member book place in Texas: #331 of 386.
- One place up in Texas, Heritage USA (#283) scores 76/100, 1 point higher; one place down, Baylor Health Care System (#285) ties at 75/100.
Light Commerce Call Report trajectory
Light Commerce: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -23.3% from $6.8M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +6.43 pp (18.92% → 25.35%).
25.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Light Commerce gives up 25 points in total. Member Growth costs the most, 10.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 9.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.35% | +6.29 pp |
| Delinquency Rate | 1.59% | -0.22 pp |
| Return on Assets | 1.72% | +1.27 pp |
| Member Growth | -2.27% | - |
| Loan-to-Share Ratio | 44.01% | -19.59 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Light Commerce
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $6.8M | 819 |
| 2024Q4 | $4.9M | 838 |
| 2023Q4 | $4.9M | 849 |
Credit Union Details
- Charter Number
- 68529
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- HOUSTON
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Light Commerce runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| LIGHT COMMERCE CREDIT UNION (Main Office) | HOUSTON, TX |
| VELERA | FORT WORTH, TX |
| Deda Sphere | MEMPHIS, TN |
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.
Cross-state Call Report peers for Light Commerce
Similar health score
Using this data
- Light Commerce ranks #3,226 of 4,374 nationally on financial health and #284 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Andrews School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Andrews School
Frequently Asked Questions
Is Light Commerce financially healthy?
On its 2025Q4 NCUA 5300 filing, Light Commerce scores 75/100 (Very Good), with a 25.35% net worth ratio and 1.59% of loans delinquent. It ranks #3,226 of 4,374 nationally on health and #284 of 386 in Texas.
How does Light Commerce compare to other credit unions?
Light Commerce scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (25.35% vs 19.06%). Its widest shortfall is loan-to-share ratio (44.01% vs 63.60%).
How can I join Light Commerce?
Membership eligibility for Light Commerce depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Light Commerce directly for current membership requirements and application steps.
Is my money safe at Light Commerce?
Light Commerce is a state-chartered 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. Light Commerce's net worth ratio of 25.35% 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.