State credit union · Deer Park, Texas · NCUA charter #60378
Lubrizol Employees'
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $49.2M
- Total assets
- 3,466
- Members
- 18.8%
- Net-worth ratio
Lubrizol Employees' scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.2M; members 3,466; net-worth ratio 18.84%; health rank #451 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#451 of 4,374 health · 2025Q4Lubrizol Employees' · health 94/100 · $49.2M · 2025Q4
Call Report peers
Lubrizol Employees' in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lubrizol Employees' vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lubrizol Employees' sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Lubrizol Employees': Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +6.61 pp (66.41% vs 59.80%).
Texas standing for Lubrizol Employees'
- Texas health ordinal: #41 of 386.
- Texas assets place: #193 of 386.
- Member book place in Texas: #201 of 386.
- One place up in Texas, Ila 28 (#40) ties at 94/100; one place down, BORDER (#42) ties at 94/100.
How Lubrizol Employees''s 5300 filing moved
Lubrizol Employees': total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $49.2M (2025Q4) to $50.4M (2026Q1).
- Net-worth ratio shifted -0.28 pp (19.12% → 18.84%).
This credit union's 18.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Lubrizol Employees' gives up 6 points in total. Member Growth costs the most, 4.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Lubrizol Employees'
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.84% | +3.98 pp |
| Delinquency Rate | 0.58% | -0.56 pp |
| Return on Assets | 1.20% | +0.49 pp |
| Member Growth | 1.61% | - |
| Loan-to-Share Ratio | 66.41% | +6.61 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Lubrizol Employees'
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.4M | - |
| 2025Q4 | $49.2M | 3,466 |
| 2024Q4 | $51.3M | 3,411 |
| 2023Q4 | $53.4M | 3,535 |
Credit Union Details
- Charter Number
- 60378
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Deer Park
- Data Quarter
- 2025Q4
Branch Location
Lubrizol Employees' operates a single office in Deer Park, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lubrizol Employees' CU (Main Office) | Deer Park, 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.
Other-state peers near Lubrizol Employees'
Similar total assets
Similar health score
Using this data
- Lubrizol Employees' ranks #451 of 4,374 nationally on financial health and #41 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Star Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Star Financial
Frequently Asked Questions
Is Lubrizol Employees' financially healthy?
Lubrizol Employees' has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #451 of 4,374 nationally on health and #41 of 386 in Texas. Its net worth ratio is 18.84% and its delinquency rate 0.58%.
How does Lubrizol Employees' compare to other credit unions?
Lubrizol Employees' scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.41% vs 59.80%).
How can I join Lubrizol Employees'?
Membership eligibility for Lubrizol Employees' depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lubrizol Employees' directly for current membership requirements and application steps.
Is my money safe at Lubrizol Employees'?
Lubrizol Employees' 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. Lubrizol Employees''s net worth ratio of 18.84% 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.