Credit union · NCUA insured
Light Commerce Credit Union
A $5.2M credit union headquartered in Houston, TX, with 808 members and 2 branches in Texas. Best rates: CDs 1.50% and savings 0.40% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—1.50%CD rates →
- Savings760.40%at $10,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Light Commerce Credit Union
Light Commerce Credit Union is a CDFI Certified credit union headquartered in Houston, Texas.
- Headquarters
- 1535 Greensmark Dr, Houston, TX 77067-4020
- NCUA charter
- 68529
Branches
2 branches in Texas
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Texas
2 branches
Houston area · 1
- Light Commerce Credit UnionMain office1535 Greensmark Dr, Houston, TX 77067Directions
Dallas area · 1
- Velera4950 Amon Carter Blvd, Fort Worth, TX 76155Directions
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 | 26.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.93% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio26.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.93%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ 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 Light Commerce Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.