Federal credit union · Pasadena, Texas · NCUA charter #14656
Local 24 Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $13.9M
- Total assets
- 1,157
- Members
- 20.2%
- Net-worth ratio
Local 24 Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.9M; members 1,157; net-worth ratio 20.21%; health rank #720 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#720 of 4,374 health · 2025Q4Local 24 Employees · health 92/100 · $13.9M · 2025Q4
- ASSETS 92/100
- MEM 20.2%
- RANK 0.15%
- PHOTO 1.85%
- BOOK $13.9M
- CHARTER 1,157
- NCUSIF #720/4,374
- CAMELS PATH
- HEALTH 14656
Call Report peers
Local 24 Employees in the assets neighbourhood
Local 24 Employees's $13.9M assets sit next to PATH ($13.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Local 24 Employees 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
92 Top 20% higher than 80% 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
Local 24 Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14656, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Local 24 Employees vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 20.21% here, 14.86% peer average (+5.35 pp).
- Loan-to-Share Ratio trails the peer set - 39.92% here, 59.80% peer average (-19.88 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Local 24 Employees sits in Texas
- Health composite ranks #65 of 386 among scored Texas credit unions.
- Texas assets place: #283 of 386.
- Member book place in Texas: #308 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.
Local 24 Employees Call Report trajectory
Local 24 Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $13.9M (2025Q4) to $14.0M (2026Q1).
- Net-worth ratio shifted +0.69 pp (19.52% → 20.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Local 24 Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.21% | +5.35 pp |
| Delinquency Rate | 0.15% | -1.00 pp |
| Return on Assets | 1.85% | +1.14 pp |
| Member Growth | 2.66% | - |
| Loan-to-Share Ratio | 39.92% | -19.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.0M | - |
| 2025Q4 | $13.9M | 1,157 |
| 2024Q4 | $13.6M | 1,127 |
| 2023Q4 | $13.0M | 1,142 |
Credit Union Details
- Charter Number
- 14656
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Location
Local 24 Employees operates a single office in Pasadena, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Local 24 EFCU (Main Office) | Pasadena, 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
Local 24 Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Local 24 Employees ranks #720 of 4,374 nationally on financial health and #65 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Refugio County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Refugio County
- 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 Local 24 Employees financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Local 24 Employees'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 #720 of 4,374; by total assets it ranks #3,365 of 4,374 nationally (same basis as /rankings/largest); and #283 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.21% net worth ratio and 0.15% delinquency rate are the key drivers.
How does Local 24 Employees compare to other credit unions?
PlainCU's health composite puts Local 24 Employees at 92/100, compared to a peer group average for $10M–$50M 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 Local 24 Employees?
Local 24 Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 24 Employees directly for the current list of qualifying groups.
Is my money safe at Local 24 Employees?
Federal credit unions like Local 24 Employees 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. Local 24 Employees's net worth ratio of 20.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 24 Employees offer compared to banks?
Credit unions like Local 24 Employees 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 Local 24 Employees 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.