Federal credit union · Lufkin, Texas · NCUA charter #16351
LUFKIN
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $46.1M
- Total assets
- 5,065
- Members
- 26.3%
- Net-worth ratio
LUFKIN scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.1M; members 5,065; net-worth ratio 26.29%; health rank #436 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#436 of 4,374 health · 2025Q4LUFKIN · health 94/100 · $46.1M · 2025Q4
Call Report peers
LUFKIN in the assets neighbourhood
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LUFKIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LUFKIN 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
LUFKIN: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +11.43 pp (26.29% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.77 pp (54.03% vs 59.80%).
Texas standing for LUFKIN
- In Texas, health place is #38 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #196 of 386 inside Texas ($46.1M reported).
- Member book place in Texas: #173 of 386.
- One place up in Texas, BROWNFIELD (#37) ties at 94/100; one place down, P.I.E. (#39) ties at 94/100.
Quarter path for LUFKIN
LUFKIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $46.1M (2025Q4) to $46.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (26.22% → 26.29%).
26.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
LUFKIN gives up 6 points in total. Loan-to-Share Ratio costs the most, 3.6 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 12.6 pts
- Loan-to-Share Ratio 11.4 pts
LUFKIN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.29% | +11.43 pp |
| Delinquency Rate | 0.05% | -1.10 pp |
| Return on Assets | 2.48% | +1.78 pp |
| Member Growth | 3.01% | - |
| Loan-to-Share Ratio | 54.03% | -5.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
LUFKIN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.9M | - |
| 2025Q4 | $46.1M | 5,065 |
| 2024Q4 | $44.0M | 4,917 |
| 2023Q4 | $44.8M | 4,864 |
Credit Union Details
- Charter Number
- 16351
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Lufkin
- Data Quarter
- 2025Q4
Branch Location
LUFKIN operates a single office in Lufkin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 204 Gobblers Knob Rd (Main Office) | Lufkin, 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.
LUFKIN nationwide neighbourhoods
Using this data
- LUFKIN ranks #436 of 4,374 nationally on financial health and #38 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain Star
Frequently Asked Questions
Is LUFKIN financially healthy?
LUFKIN has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #436 of 4,374 nationally on health and #38 of 386 in Texas. Its net worth ratio is 26.29% and its delinquency rate 0.05%.
How does LUFKIN compare to other credit unions?
LUFKIN 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 net worth ratio (26.29% vs 14.86%). Its widest shortfall is loan-to-share ratio (54.03% vs 59.80%).
How can I join LUFKIN?
LUFKIN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LUFKIN directly for the exact boundaries and application steps.
Is my money safe at LUFKIN?
LUFKIN 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. LUFKIN's net worth ratio of 26.29% 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.