Lefors
Lefors, TX · Charter 13777 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$3.0MAssets
$1.7MLoans
$2.3MShares
$704KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: efficiency ratio trails 78% of credit unions under $1B in assets in TX (rank 185 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |