Lcra Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	12 Month Share Certificate 0.62% - National Average
0.05%	Savings	Regular Saving Account 1.30% - Synchrony Bank High Yield Savings
0.90%	2-year CD	24 Month Share Certificate 0.87% - National Average

View all Lcra Credit Union rates »

Overview / Commentary

lcracu.org

512-474-1562

3505 Montopolis Dr Bldg A
Austin, TX 78744

Lcra Credit Union is headquartered in Austin and is the 257^th largest credit union in the state of Texas. It is also the 3,352^nd largest credit union in the nation. It was established in 1940 and as of June of 2017, it had grown to 5 employees and 2,999 members at 2 locations. Lcra Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school within a 10-mile radius of the credit union's two offices. Memberhip is also open to employees and board members of the Lower Colorado River Authority and its subsidiaries, San Bernard Electric Coop, the Housing Authority of the City of Luling, Members and Friends of the Colorado River Foundation..
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Health

B

Data as of Q2 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lcra Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67537
Year Chartered	1940
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.33%
Return on Equity - YTD	-2.66%
Annual Interest Income	$317.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$21.6MM$23.0MM
Loans	Q2 2017vs Q2 2016	$11.5MM$14.6MM
Deposits	Q2 2017vs Q2 2016	$18.9MM$20.2MM
Equity Capital	Q2 2017vs Q2 2016	$2.7MM$2.8MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$46.00K$44.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$12.00K$11.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Savings
Checking
CD
IRA

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Lcra Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	IRA Share Account
0.05%	$300	-	Membership Account
0.05%	$300	-	Regular Saving Account
0.05%	-	-	Kid's Club Account
0.05%	-	-	Christmas Club Account

Lcra Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Power Checking Account

Lcra Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	24 Month Share Certificate
0.70%	$500	-	18 Month Share Certificate
0.50%	$500	-	12 Month Share Certificate
0.40%	$500	-	6 Month Share Certificate

Lcra Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	24 Month IRA
0.70%	$500	-	18 Month IRA
0.50%	$500	-	12 Month IRA
0.40%	$500	-	6 Month IRA

Locations

Lcra Credit Union Locations
Branch Office	3505 Montopolis Dr Bldg A	Austin, TX 78744
Branch Office	104 E State Highway 71 Byp	La Grange, TX 78945-4445