State credit union · HOUSTON, Texas · NCUA charter #68529
Light Commerce
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $6.8M
- Total assets
- 819
- Members
- 18.9%
- Net-worth ratio
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.
Light Commerce - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)62
- Earnings (ROA)100
- Member growth33
- Liquidity (loan-to-share)66
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.92% | 30% |
| Delinquency Rate | 1.59% | 25% |
| Return on Assets | 1.72% | 15% |
| Member Growth | -2.27% | 15% |
| Loan-to-Share Ratio | 44.01% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Light Commerce
Charter #68529, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Light Commerce, a state credit union in HOUSTON, Texas with 819 members, $6.8M in total assets, and $2.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 75/100 (Very Good), helped by a net worth ratio of 18.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.59% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 44.01% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.72% on net income of $117K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.27%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.92% 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 18.92% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.