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Overview / Commentary
3505 Montopolis Dr Bldg A
Austin, TX 78744

Lcra Credit Union is headquartered in Austin and is the 256th largest credit union in the state of Texas. It is also the 3,315th largest credit union in the nation. It was established in 1940 and as of December of 2017, it had grown to 5 employees and 2,954 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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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

NCUA #67537
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD-0.25%
Return on Equity - YTD-2.05%
Annual Interest Income$639.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$21.5MM$23.0MM
LoansQ4 2017vs Q4 2016$10.6MM$13.0MM
DepositsQ4 2017vs Q4 2016$18.7MM$20.2MM
Equity CapitalQ4 2017vs Q4 2016$2.7MM$2.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$47.00K$60.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$61.00K$95.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Lcra Credit Union Savings Account Rates

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

0.05%$1k-Power Checking Account

Lcra Credit Union CD Rates

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

0.90%$500-24 Month IRA
0.70%$500-18 Month IRA
0.50%$500-12 Month IRA
0.40%$500-6 Month IRA

Lcra Credit Union Locations
Branch Office3505 Montopolis Dr Bldg AAustin, TX 78744
Branch Office104 E State Highway 71 BypLa Grange, TX 78945-4445