Linkage
Linkage is a credit union based in Waco, Texas, established in 1931, with $18 million in total assets serving 1,903 members. By Trust Grade it ranks 272nd of 379 credit unions we track in Texas. Its net worth ratio of 18.1% is stronger than 71% of similarly sized credit unions, versus a Texas median of 13.5%. It posted a loss over the most recent period (-0.40% return on assets), a point to watch. No consumer complaints against Linkage appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Linkage compares to Texas peers
How we graded Linkage
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.1% capital ratio)
- Unprofitable over the period (ROA -0.40%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Linkage over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Linkage insured?
Yes. Linkage 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.
Linkage: frequently asked questions
Is Linkage a good credit union?
Linkage earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Strongly capitalized (18.1% capital ratio); Unprofitable over the period (ROA -0.40%).
Is Linkage NCUA-insured?
Yes. Linkage 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 Linkage?
Linkage holds $18 million in total assets, ranking 272nd of 379 credit unions we track in Texas. It serves 1,903 members.
Does Linkage have CFPB complaints?
No CFPB complaints against Linkage 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.
