Federal credit union · Dallas, Texas · NCUA charter #22747
The Local
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $24.6M
- Total assets
- 4,203
- Members
- 21.9%
- Net-worth ratio
The Local scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.6M; members 4,203; net-worth ratio 21.95%; health rank #3,143 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,143 of 4,374 health · 2025Q4The Local · health 76/100 · $24.6M · 2025Q4
- HEALTH 76/100
- NW 21.9%
- DELQ 0.84%
- ROA 0.45%
- ASSETS $24.6M
- MEM 4,203
- RANK #3,143/4,374
- PHOTO N.F.G. #2
- BOOK 22747
Call Report peers
The Local in the assets neighbourhood
The Local's $24.6M assets sit next to N.F.G. #2 ($24.6M) 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.
The Local 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
76 26th percentile higher than 26% 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
The Local - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22747, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where The Local diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 106.75% vs peer 59.80% (+46.95 pp).
- Return on Assets trails the peer set - 0.45% here, 0.70% peer average (-0.25 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Local: in-state Call Report ranks
- In Texas, health place is #276 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, The Local is #241 of 386 in Texas.
- Membership ranks #193 of 386 among Texas CUs with a reported count (4,203 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Local Call Report trajectory
The Local: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $24.6M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (22.31% → 21.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 14.3 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 8.5 pts
The Local health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.95% | +7.09 pp |
| Delinquency Rate | 0.84% | -0.31 pp |
| Return on Assets | 0.45% | -0.25 pp |
| Member Growth | -4.08% | - |
| Loan-to-Share Ratio | 106.75% | +46.95 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).
Call Report history - The Local
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.2M | - |
| 2025Q4 | $24.6M | 4,203 |
| 2024Q4 | $24.4M | 4,382 |
| 2023Q4 | $26.0M | 4,602 |
Credit Union Details
- Charter Number
- 22747
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, The Local runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| The LOCAL FCU (Main Office) | Dallas, TX |
| Disaster Recovery | Irving, 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.
The Local nationwide neighbourhoods
The Local's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- The Local ranks #3,143 of 4,374 nationally on financial health and #276 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas People is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas People
- 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 The Local financially healthy?
The Local has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,143 of 4,374; by total assets it ranks #3,007 of 4,374 nationally (same basis as /rankings/largest); and #241 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.95% and delinquency rate of 0.84%.
How does The Local compare to other credit unions?
PlainCU's health composite puts The Local at 76/100, 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 The Local?
The Local 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 The Local directly for the exact boundaries and application steps.
Is my money safe at The Local?
Federal credit unions like The Local 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. The Local's net worth ratio of 21.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Local offer compared to banks?
Credit unions like The Local 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 The Local 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.