Credit union · NCUA insured
USI Federal Credit Union
A $26.3M credit union headquartered in La Porte, TX, with 2,125 members and 1 branch in Texas. Best rates: savings 0.05% APY.
USI Federal Credit Union Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#102 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USI Federal Credit Union
Organized in 1959 as a member-owned non-profit financial cooperative, USI Federal Credit Union was established to serve employees of USI and their families.
The credit union is located in La Porte, Texas.
- Headquarters
- 1515 Miller Cut Off RD, La Porte, TX 77571
- NCUA charter
- 13132
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of LyondellBasell, Linde Gas, Inc., Flint Hills Resources, ISSC, Basic Industries, American Acryl (Bayport), CDI Corporation (La Porte), and G4S who work in or are supervised from the Deer Park/La Porte Complex in Deer Park, Texas.
Family and household
- Membership is open to immediate family members of qualifying employees of specified employer groups at the Deer Park/La Porte Complex in Deer Park, Texas.
Branches
1 branch in Texas
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Texas
1 branch
- USI Federal Credit UnionMain office1515 Miller Cut Off RD, La Porte, TX 77571Directions
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 | 18.01% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.31% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.45% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $100 | $59 | — |
- CapitalNet worth ratio18.01%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.31%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$100Peers’ 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 USI 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.