Light Commerce
Light Commerce is a credit union based in Houston, Texas, established in 2004, with $5 million in total assets serving 808 members. By Trust Grade it ranks 86th of 379 credit unions we track in Texas. Its net worth ratio of 25.4% is stronger than 90% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 2.73% return on assets. No consumer complaints against Light Commerce appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Light Commerce compares to Texas peers
How we graded Light Commerce
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (25.4% capital ratio)
- Strongly profitable (ROA 2.73%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Light Commerce over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Light Commerce insured?
Yes. Light Commerce is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Light Commerce: frequently asked questions
Is Light Commerce a good credit union?
Light Commerce earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (25.4% capital ratio); Strongly profitable (ROA 2.73%).
Is Light Commerce NCUA-insured?
Yes. Light Commerce is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Light Commerce?
Light Commerce holds $5 million in total assets, ranking 86th of 379 credit unions we track in Texas. It serves 808 members.
Does Light Commerce have CFPB complaints?
No CFPB complaints against Light Commerce appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
