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
Call Report peers
The Local in the assets neighbourhood
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The Local vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Local sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, FIRSTMARK (#275) scores 77/100, 1 point higher; one place down, Cherokee County Teachers (#277) ties at 76/100.
The Local Call Report trajectory
The Local: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $24.6M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (22.31% → 21.95%).
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
The Local gives up 24 points in total. Member Growth costs the most, 13.4 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The Local financially healthy?
On its 2025Q4 NCUA 5300 filing, The Local scores 76/100 (Very Good), with a 21.95% net worth ratio and 0.84% of loans delinquent. It ranks #3,143 of 4,374 nationally on health and #276 of 386 in Texas.
How does The Local compare to other credit unions?
The Local scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (106.75% vs 59.80%). Its widest shortfall is return on assets (0.45% vs 0.70%).
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?
The Local 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. The Local's net worth ratio of 21.95% 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.