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
- HEALTH 75/100
- NW 25.4%
- DELQ 1.59%
- ROA 1.72%
- ASSETS $6.8M
- MEM 819
- RANK #3,226/4,374
- PHOTO n/a
- BOOK 68529
Call Report peers
Light Commerce carries $6.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Light Commerce - Share Insurance Coverage
Charter #68529's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Light Commerce Call Report trajectory
Light Commerce: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -23.3% from $6.8M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +6.43 pp (18.92% → 25.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Light Commerce, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- 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 Light Commerce financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Light Commerce's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,226 of 4,374; by total assets it ranks #3,740 of 4,374 nationally (same basis as /rankings/largest); and #329 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.35% net worth ratio and 1.59% delinquency rate are the key drivers.
How does Light Commerce compare to other credit unions?
PlainCU's health composite puts Light Commerce at 75/100, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Light Commerce 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. Light Commerce's net worth ratio of 25.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Light Commerce offer compared to banks?
Credit unions like Light Commerce 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 Light Commerce 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.