credit union · NCUA 22747 · TX
How big is THE LOCAL?
THE LOCAL (TX, NCUA charter 22747) reported total assets of $25.8M, 3,604 members and a net worth ratio of 21.18% in its Call Report for 2026Q2. That ranks 2940 of 4,299 federally insured credit unions by assets, 547 of 1,135 among credit unions with $10m-$50m in assets, 236 of 380 credit unions in texas.
What stands out
THE LOCAL (TX, NCUA charter 22747) reported total assets of $25.8M, 3,604 members and a net worth ratio of 21.18% in its Call Report for 2026Q2. That ranks 2940 of 4,299 federally insured credit unions by assets, 547 of 1,135 among credit unions with $10m-$50m in assets, 236 of 380 credit unions in texas. Against its size class: net worth ratio 21.18%, above the peer median of 13.88%; loan-to-share ratio 99.17%, above the peer median of 57.77%; return on assets -0.12%, below the peer median of 0.70%. At 21.18% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $25.8M | $25.2M | $49.9M | $68.3M | record → |
| Shares and deposits | $19.8M | $21.4M | $40.8M | $58.3M | record → |
| Loans outstanding | $19.6M | $11.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $-15.1k | $82.1k | $141.6k | $222.2k | record → |
| Net worth | $5.5M | $3.4M | $7.4M | $9.0M | record → |
| Net worth ratio | 21.18% | 13.88% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 99.17% | 57.77% | 70.24% | 68.70% | computed |
| Return on assets | -0.12% | 0.70% | 0.59% | 0.71% | computed |
| Members | 3,604 | 2,092 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $25.8M | $19.8M | $19.6M | $-15.1k | 21.18% | 3,604 | 2940 |
| 2026Q1 | $25.2M | $19.1M | $20.1M | $43.4k | 21.95% | 4,006 | 2982 |
| 2025Q4 | $24.6M | $19.6M | $20.9M | $186.6k | 22.31% | 4,203 | 3007 |
| 2025Q3 | $24.4M | $18.4M | $21.4M | $134.8k | 22.22% | 4,214 | 3022 |
| 2025Q2 | $24.6M | $18.4M | $21.4M | $43.4k | 21.74% | 4,389 | 3040 |
| 2025Q1 | $24.9M | $18.9M | $21.3M | $-14.3k | 21.22% | 4,328 | 3048 |
| 2024Q4 | $24.4M | $18.6M | $21.7M | $111.5k | 21.68% | 4,382 | 3074 |
| 2024Q3 | $25.4M | $19.2M | $22.3M | $135.2k | 20.92% | 4,389 | 3055 |
| 2024Q2 | $25.5M | $20.2M | $22.1M | $71.4k | 20.60% | 4,389 | 3074 |
| 2024Q1 | $25.3M | $20.1M | $21.9M | $34.8k | 20.61% | 4,422 | 3099 |
| 2023Q4 | $26.0M | $20.7M | $21.8M | $238.8k | 19.97% | 4,602 | 3080 |
| 2023Q3 | $26.7M | $21.6M | $22.2M | $226.1k | 19.40% | 4,622 | 3075 |
| 2023Q2 | $27.8M | $22.6M | $22.4M | $134.6k | 18.30% | 4,713 | 3059 |
| 2023Q1 | $28.3M | $23.4M | $21.9M | $17.0k | 17.53% | 4,746 | 3064 |
| 2022Q4 | $28.4M | $23.5M | $21.4M | $198.9k | 17.41% | 4,736 | 3079 |
| 2022Q3 | $28.7M | $23.8M | $21.8M | $189.5k | 17.17% | 4,731 | 3087 |
| 2022Q2 | $29.1M | $24.9M | $21.6M | $87.4k | 16.61% | 4,875 | 3090 |
| 2022Q1 | $29.3M | $24.8M | $19.1M | $15.1k | 16.27% | 4,800 | 3099 |
| 2021Q4 | $28.9M | $24.0M | $19.6M | $206.4k | 16.42% | 4,888 | 3100 |
| 2021Q3 | $28.9M | $24.7M | $19.5M | $94.8k | 16.05% | 4,886 | 3106 |
| 2021Q2 | $29.7M | $24.2M | $19.0M | $18.3k | 15.35% | 4,875 | 3077 |
| 2021Q1 | $29.5M | $24.3M | $18.1M | $-26.8k | 15.28% | 5,040 | 3082 |
| 2020Q4 | $26.5M | $22.5M | $17.8M | $113.8k | 17.12% | 4,995 | 3149 |
| 2020Q3 | $27.1M | $22.0M | $17.8M | $84.1k | 16.67% | 4,980 | 3107 |
| 2020Q2 | $26.2M | $20.9M | $17.8M | $20.1k | 17.00% | 5,002 | 3129 |
| 2020Q1 | $23.5M | $18.4M | $18.6M | $17.8k | 18.91% | 5,186 | 3180 |
| 2019Q4 | $22.8M | $17.8M | $19.0M | $219.0k | 19.42% | 5,152 | 3197 |
| 2019Q3 | $23.5M | $18.1M | $19.3M | $159.7k | 18.55% | 5,132 | 3165 |
| 2019Q2 | $23.6M | $19.2M | $18.5M | $61.6k | 18.06% | 5,106 | 3178 |
| 2019Q1 | $23.6M | $19.2M | $18.1M | $39.7k | 18.00% | 5,222 | 3188 |
| 2018Q4 | $23.5M | $18.4M | $18.2M | $108.2k | 17.90% | 5,176 | 3176 |
| 2018Q3 | $23.3M | $18.9M | $18.0M | $147.0k | 18.25% | 5,175 | 3206 |
| 2018Q2 | $22.2M | $18.3M | $17.1M | $24.1k | 18.57% | 5,143 | 3266 |
| 2018Q1 | $22.6M | $18.3M | $16.7M | $-5.3k | 18.14% | 5,222 | 3259 |
| 2017Q4 | $21.4M | $17.4M | $16.7M | $42.5k | 19.11% | 5,197 | 3316 |
| 2017Q3 | $22.3M | $18.1M | $16.3M | $41.0k | 18.38% | 5,167 | 3283 |
| 2017Q2 | $22.7M | $18.7M | $15.2M | $12.6k | 17.91% | 5,137 | 3289 |
| 2017Q1 | $22.6M | $18.4M | $15.3M | $-8.5k | 17.93% | 5,276 | 3292 |
| 2016Q4 | $21.8M | $17.8M | $15.3M | $40.9k | 18.60% | 5,219 | 3323 |
| 2016Q3 | $21.6M | $17.6M | $15.3M | $62.5k | 18.89% | 5,168 | 3345 |
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