Lefors, TX · Charter 13777
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
26
Profitability
51
Liquidity
82
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lefors, TX · Charter 13777
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.01% | 0.17% | -0.23% | 0.00% | 0.10% | 0.26% | 0.33% | +56 bps | |
| Return on Equity | -0.86% | -0.05% | 0.78% | -1.02% | 0.01% | 0.43% | 1.11% | 1.41% | +243 bps | |
| Net Interest Margin | 5.27% | 5.42% | 5.15% | 5.37% | 5.31% | 5.22% | 4.97% | 4.95% | -42 bps | |
| Efficiency Ratio | 90.48% | 89.61% | 87.79% | 86.85% | 88.28% | 89.34% | 94.93% | 93.56% | +672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.64% | -8.38% | -6.55% | -4.31% | -5.51% | -1.51% | -4.61% | -0.01% | +430 bps | |
| Loan Growth (YoY) | 0.68% | -0.85% | 4.73% | -12.23% | -15.34% | -20.36% | -22.28% | -18.35% | -613 bps | |
| Share Growth (YoY) | -14.41% | -10.52% | -8.33% | -5.52% | -7.20% | -2.20% | -6.08% | -0.50% | +502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 2.60% | 1.07% | 0.15% | 0.89% | 1.13% | 1.06% | 1.12% | +97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.63% | 0.58% | 1.14% | 1.15% | 1.28% | 1.31% | 1.25% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.41% | 22.34% | 22.26% | 22.79% | 22.79% | 22.78% | 23.46% | 23.17% | +38 bps | |
| Net Worth / Assets | 21.41% | 22.34% | 22.26% | 22.79% | 22.79% | 22.78% | 23.46% | 23.17% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.72% | 88.52% | 88.02% | 87.51% | 80.94% | 72.08% | 72.83% | 71.81% | -1,570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lefors, TX · Charter 13777 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.33%
Rank 154 of 235
Net Interest Margin
4.93%
Rank 19 of 235
Efficiency Ratio
93.51%
Rank 185 of 235
Equity / Assets
23.16%
Rank 35 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.17% | 0.57% | 1.10% | Beats 34% | 154 / 235 | ||
| Return on Equity | 1.42% | 1.03% | 4.30% | 7.58% | Beats 28% | 169 / 235 | ||
| Net Interest Margin | 4.93% | 3.32% | 3.89% | 4.35% | Beats 92% | 19 / 235 | ||
| Efficiency Ratio | 93.51% | 70.60% | 82.00% | 91.57% | Beats 22% | 185 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.20% | 0.59% | 1.14% | Beats 26% | 176 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.16% | 11.30% | 14.41% | 19.49% | Beats 85% | 35 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.16% | 11.30% | 14.41% | 19.49% | Beats 85% | 35 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.80% | 54.18% | 67.38% | 81.66% | 58th pctl | 99 / 235 | ||
| Loans / Assets | 55.03% | 43.80% | 56.63% | 68.64% | 46th pctl | 126 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||