Credit union · NCUA insured
STRFCU
A $5.6M credit union headquartered in Laredo, TX, with 1,116 members and 1 branch in Texas. Best rates: CDs 2.00% and savings 0.05% APY.
STRFCU Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#6 of 8 in Laredo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About STRFCU
South Texas Regional Federal Credit Union is a member-owned non-profit organization serving Laredo and surrounding areas for more than 66 years.
- Headquarters
- 220 W Hillside Rd Ste 15, Laredo, TX 78041
- NCUA charter
- 7024
Branches
1 branch in Texas
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Texas
1 branch
- South Texas Regional FCUMain office220 W Hillside Rd Ste 15, Laredo, TX 78041Directions
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 | 15.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.47% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio15.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.47%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ 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 STRFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.