Credit unions · Texas · Q2 2026

The Local FCU

Credit union in Dallas, TX · NCUA charter #22747 · Federal charter

Legal name: The Local

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$25.8M
Total loans & leases	$19.6M
Total shares & deposits	$19.8M
Members	3,604
Net worth	$5.5M
Net worth / assets	21.18%
Loans / assets	75.99%
Return on assets (annualized)	−0.12%
Loan growth (YoY)	−8.52%
Member growth (YoY)	−17.89%
Delinquency, all loans (60+ days)	0.57%

Charter	Federal charter
Asset band	< $50M
NCUA peer group	$10M–$50M
Sponsor type	Service (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): bill payment, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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