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Overview / Commentary
7508 Ferguson Rd
Dallas, TX 75228

Lone Star Credit Union is headquartered in Dallas and is the 117st largest credit union in the state of Texas. It is also the 1,508th largest credit union in the nation. It was established in 1967 and as of December of 2013, it had grown to 39 employees and 10,953 members. Lone Star Credit Union's money market rates are 70% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in Delta, Hopkins, Hunt, Kaufman, Rains or Rockwall county. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lone Star Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lone Star Credit Union had $265,000 in non-current loans and owned real-estate with $7.52 million in equity and loan loss allowances on hand to cover it. This gives Lone Star Credit Union a Texas Ratio of 3.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lone Star Credit Union decreased dramatically from 11.09% as of December 31, 2012 to 3.53% as of December 31, 2013, resulting in a positive change of 68.21%.This indicates that the balance sheet and financial strength for Lone Star Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Lone Star Credit Union has decreased its total deposits by $-549,000, resulting in -0.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lone Star Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lone Star Credit Union has $98.1 million in assets with $7.52 million in equity, resulting in a capitalization level of 7.66%, which is below average.

Institution Statistics

NCUA #68449
Year Chartered1967
Primary Regulator
Assets and Liabilities
Assets$98.10 million
Loans$74.17 million
Deposits$90.61 million
Equity Capital$6.70 million
Loan Loss Allowance$815,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$0
Historic Data - December 2012
Assets$98.77 million
Equity Capital$6.61 million
Loan Loss Allowance$941,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$8,000
Profit Margin - Quarterly
Net Interest Margin4.54%
Return on Assets0.31%
Return on Equity4.52%
Interest Income$3.92 million

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Lone Star Credit Union Savings Account Rates

0.35%$100-IRA Savings
0.35%$100-Roth IRA Savings
0.35%$100-Coverdell Education IRA Savings
0.30%$100$2,500Lone Star Ranger Savings
0.20%$100-Regular Savings Account
0.20%$100-Special Savings Account

Lone Star Credit Union Money Market Rates

0.75%$2,500-182 Day Money Market CD
0.60%$2,500-91 Day Money Market CD
0.35%$25k-Executive Plus Money Market Checking
0.30%$15k-Money Market Checking

Lone Star Credit Union Checking Account Rates

0.00%$1,500-Texas Heritage Checking
0.00%$1,500-Texas Heritage Plus Checking

Lone Star Credit Union CD Rates

1.86%$90k-60 Month Jumbo CD
1.76%$500-60 Month CD
1.76%$100-60 Month Youth CD
1.76%$100-Business 60 Month CD
1.61%$90k-60 Month Jumbo Bump Up CD
1.51%$500-60 Month Bump Up CD
1.46%$90k-48 Month Jumbo CD
1.36%$500-48 Month CD
1.36%$90k-36 Month Jumbo CD
1.36%$100-48 Month Youth CD
1.36%$100-Business 48 Month CD
1.26%$500-36 Month CD
1.26%$100-36 Month Youth CD
1.26%$100-Business 36 Month CD
1.21%$90k-48 Month Jumbo Bump Up CD
1.10%$500-48 Month Bump Up CD
1.10%$90k-24 Month Jumbo CD
1.00%$500-24 Month CD
1.00%$100-24 Month Youth CD
1.00%$100-Business 24 Month CD
0.90%$90k-12 Month Jumbo CD
0.85%$90k-36 Month Jumbo Bump Up CD
0.80%$500-12 Month CD
0.80%$90k-24 Month Jumbo Bump Up CD
0.80%$100-12 Month Youth CD
0.80%$100-Business 12 Month CD
0.75%$500-36 Month Bump Up CD
0.70%$500-24 Month Bump Up CD

Lone Star Credit Union IRA Rates

1.86%$90k-60 Month Jumbo IRA (Traditional,Roth,CESA)
1.76%$500-60 Month IRA (Traditional,Roth,CESA)
1.61%$90k-60 Month Jumbo Bump Up IRA (Traditional,Roth,CESA)
1.51%$500-60 Month Bump Up IRA (Traditional,Roth,CESA)
1.46%$90k-48 Month Jumbo IRA (Traditional,Roth,CESA)
1.36%$90k-36 Month Jumbo IRA (Traditional,Roth,CESA)
1.36%$500-48 Month IRA (Traditional,Roth,CESA)
1.26%$500-36 Month IRA (Traditional,Roth,CESA)
1.21%$90k-48 Month Jumbo Bump Up IRA (Traditional,Roth,CESA)
1.10%$90k-24 Month Jumbo IRA (Traditional,Roth,CESA)
1.10%$500-48 Month Bump Up IRA (Traditional,Roth,CESA)
1.00%$500-24 Month IRA (Traditional,Roth,CESA)
0.90%$90k-12 Month Jumbo IRA (Traditional,Roth,CESA)
0.85%$90k-36 Month Jumbo Bump Up IRA (Traditional,Roth,CESA)
0.80%$500-12 Month IRA (Traditional,Roth,CESA)
0.80%$90k-24 Month Jumbo Bump Up IRA (Traditional,Roth,CESA)
0.75%$500-36 Month Bump Up IRA (Traditional,Roth,CESA)
0.70%$500-24 Month Bump Up IRA (Traditional,Roth,CESA)

Lone Star Credit Union Locations
Branch Office7508 Ferguson RdDallas, TX 75228
Branch Office140 9th StTerrell, TX 75160
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