Dallas, Texas · Peer group 3
The Local Credit Union
The Local Credit Union holds $25.2M in assets across 4,006 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1977. Charter number 22747, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $25.2M |
|---|---|
| Total loans | $20.1M |
| Total shares (deposits) | $19.1M |
| Net worth | $5.5M |
| Members | 4,006 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.1% | |
|---|---|---|
| Loans | -5.5% | around the 33rd percentile of its peer group |
| Deposits | 0.9% | around the 48th percentile of its peer group |
| Members | -7.4% | lower than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 105.3% | higher than 99% of its peer group |
|---|---|---|
| Net worth ratio | 21.9% | higher than 90% of its peer group |
| Return on assets | 0.69% | around the 52nd percentile of its peer group |
| Delinquency ratio | 1.26% | around the 74th percentile of its peer group |
| Cash / assets | 18.8% | around the 80th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is The Local Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Grand Prairie Credit Union
GRAND PRAIRIE, TX
$25.0M · 1,692 members
- Temple Santa Fe Community Credit Union
Temple, TX
$24.7M · 1,672 members
- Concho Valley Credit Union
San Angelo, TX
$25.6M · 1,425 members
- Texas People Credit Union
Fort Worth, TX
$24.7M · 1,927 members
- Shared Resources Credit Union
Pasadena, TX
$26.3M · 2,787 members
- U. S. I. Credit Union
Deer Park, TX
$26.3M · 2,125 members
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