Charter 68529 · Houston, TX
Light Commerce Credit Union
Light Commerce Credit Union is a state-chartered credit union in Houston, Texas, with $5.0 million in assets and 805 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 26.81%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $5.0 million
- -14.6% in a year
- Members
- 805
- -6.2% in a year
- Net worth ratio
- 26.81%
- Peer median 17.30%
- Loans 60+ days late
- 0.93%
- Peer median 0.86%
- Loans outstanding
- $2.2 million
- -14.4% in a year
- Shares and deposits
- $3.6 million
- -18.4% in a year
- Branches
- 1
- 2 employees
- Opened
- 2004
- Texas charter
How Light Commerce Credit Union compares
NCUA groups credit unions by size; Light Commerce Credit Union is in the group with $2 million to $10 million (539 credit unions). Its net worth ratio of 26.81% is higher than that group's median of 17.30%, and its share of loans 60 or more days past due, 0.93%, is higher than the group median of 0.86%. Loans fell 14.4% over the year to Q2 2026, against a group median of a 6.0% fall.
By assets it ranks 341 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $5.0 million | 805 | $2.2 million | 26.81% | 0.93% |
| Q1 2026 | $5.2 million | 808 | $2.3 million | 25.35% | 1.62% |
| Q4 2025 | $6.8 million | 819 | $2.4 million | 18.92% | 1.59% |
| Q3 2025 | $6.0 million | 844 | $2.5 million | 20.21% | 1.31% |
| Q2 2025 | $5.9 million | 858 | $2.6 million | 20.20% | 2.31% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Light Commerce Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- LIGHT COMMERCE CREDIT UNION (main office)
1535 Greensmark Dr, Houston, TX 77067 - Deda Sphere
1790 Kirby Pkwy Ste 200, Memphis, TN 38138 - VELERA
4950 Amon Carter Blvd, Fort Worth, TX 76155
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology