Credit union · NCUA insured
LCRA CU
A $20.7M credit union headquartered in Austin, TX, with 2,115 members and 2 branches in Texas. Best rates: CDs 3.95% APY.
LCRA CU Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#21 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About LCRA CU
- Headquarters
- 3505 Montopolis Dr Bldg A, Austin, TX 78744
- NCUA charter
- 67537
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, attend school, or worship in, and businesses located within a 10-mile radius of LCRA Credit Union's office located at 3505 Montopolis, Austin, TX 78744 are eligible for membership.
Employers and groups
- Any business or organization whose employees or members are within this field of membership is eligible for membership.
- Members and Friends of the Colorado River Foundation are eligible for membership.
- Groups of employees or members of companies or associations located within ten miles of the credit union's main office or any additional office that have furnished written evidence of sponsor support are eligible for membership, subject to specific group size and primary credit union restrictions.
- Contract employees assigned permanently or temporarily to any affiliate of the Lower Colorado River Authority are eligible for membership.
- Employees of subsidiaries and affiliates, owned or operated by LCRA and paid from Austin, Texas are eligible for membership.
9 more ways to join
Employers and groups
- Employees and Board Members and/or City Council Members of the Wholesale Customers of the Lower Colorado River Authority are eligible for membership.
- Employees and Board Members of the San Bernard Electric Coop are eligible for membership.
- Employees of St. Mark's Medical Center, La Grange, Texas are eligible for membership.
Military, government and schools
- Employees of County of Fayette, Fayette County, Texas are eligible for membership.
- Employees and Board Members of the Housing Authority of the City of Luling are eligible for membership.
- Employees and Board Members of the Lower Colorado River Authority are eligible for membership.
Family and household
- Immediate family members of members are eligible for membership at LCRA Credit Union.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Persons receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within this field of membership are eligible for membership.
Cost to join
- A deposit of $5 is required to open an account.
Branches
2 branches in Texas
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Texas
2 branches
Austin area · 1
- SocMain office3505 Montopolis Dr Bldg A, Austin, TX 78744Directions
La Grange area · 1
- Emf104 E State Highway 71 Byp, La Grange, TX 78945Directions
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 | 15.96% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $40 | $59 | — |
- CapitalNet worth ratio15.96%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$40Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 LCRA CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.