Credit union · NCUA insured
Laredo Federal Credit Union
A $135.9M credit union headquartered in Laredo, TX, with 18,088 members and 3 branches in Texas. Best rates: CDs 2.00% and savings 0.05% APY.
Laredo Federal Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#4 of 8 in Laredo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Laredo Federal Credit Union
Laredo Federal Credit Union was organized in 1954 to serve only teachers.
The credit union operates three locations and serves all of Webb County.
- Headquarters
- 1119 Corpus Christi St, Laredo, TX 78040-5258
- NCUA charter
- 11011
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives in Webb County is eligible for membership.
- Anyone who attends school in Webb County is eligible for membership.
- Anyone who works in Webb County is eligible for membership.
- Anyone who worships in Webb County is eligible for membership.
Branches
3 branches in Texas
Loading map…
Texas
3 branches
- Main OfficeMain office1119 Corpus Christi St, Laredo, TX 78040Directions
- McPherson Branch7114 McPherson Rd, Laredo, TX 78041Directions
- South Branch4170 S Zapata Hwy Ste 1, Laredo, TX 78046Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio11.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Laredo Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.