THE LOCAL
Federal • Dallas, Texas • Est. 1977
Quick Facts
- Charter Number
- #22747
- Type
- Federal
- Established
- 1977
- Headquarters
- Dallas, Texas 75356
- Address
- P.O. Box 560303
- Branches
- 2
- ATMs
- 1
- Members
- 4,203
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,203 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE LOCAL |
|---|---|
| Total Assets | $24.6M |
| Members | 4,203 |
| Loans Outstanding | $20.9M |
| Shares & Deposits | $19.6M |
| Net Worth | $5.5M |
| Net Worth Ratio | 22.31% |
| Loan-to-Share Ratio | 106.8% |
| Delinquency Rate | 0.84% |
| Net Income | +$287,559 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
The LOCAL FCU
Main Office8787 N Stemmons Fwy Ste 185
Dallas, TX 75247-3721
Disaster Recovery
1408 W Pioneer Dr
Irving, TX 75061-7114
Who Can Join THE LOCAL?
Membership Type: Community
Membership eligibility for THE LOCAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE LOCAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. THE LOCAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, THE LOCAL has 4,203 members and a potential membership field of 10,000 people.
THE LOCAL's net worth ratio is 22.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 22.3%, THE LOCAL meets this threshold.
THE LOCAL operates 2 branch locations and has access to 1 ATMs. The main office is located at 8787 N Stemmons Fwy Ste 185, Dallas, TX 75247-3721.
THE LOCAL was established in 1977. It is a federal credit union chartered under charter number 22747. The institution has been serving members for 49 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE LOCAL. All financial data is for informational purposes only.