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
Call Report peers
Local 24 Employees in the assets neighbourhood
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Local 24 Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 24 Employees sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Travis County (#64) scores 93/100, 1 point higher; one place down, H E B (#66) ties at 92/100.
Local 24 Employees Call Report trajectory
Local 24 Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $13.9M (2025Q4) to $14.0M (2026Q1).
- Net-worth ratio shifted +0.69 pp (19.52% → 20.21%).
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
Local 24 Employees gives up 8 points in total. Loan-to-Share Ratio costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Local 24 Employees financially healthy?
Local 24 Employees has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #720 of 4,374 nationally on health and #65 of 386 in Texas. Its net worth ratio is 20.21% and its delinquency rate 0.15%.
How does Local 24 Employees compare to other credit unions?
Local 24 Employees scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.21% vs 14.86%). Its widest shortfall is loan-to-share ratio (39.92% vs 59.80%).
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?
Local 24 Employees 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. Local 24 Employees's net worth ratio of 20.21% 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.