Lufkin, TX · Charter 16351
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
89
Asset Quality
80
Profitability
81
Liquidity
34
Efficiency
84
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.
Lufkin, TX · Charter 16351
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 | 2.66% | 2.60% | 1.94% | 2.11% | 2.27% | 2.18% | 2.06% | 1.98% | -14 bps | |
| Return on Equity | 10.71% | 10.32% | 7.70% | 8.29% | 8.62% | 8.32% | 7.85% | 7.52% | -77 bps | |
| Net Interest Margin | 4.87% | 4.85% | 4.66% | 4.66% | 4.73% | 4.62% | 4.42% | 4.34% | -32 bps | |
| Efficiency Ratio | 56.57% | 57.23% | 66.35% | 64.98% | 62.98% | 63.63% | 64.48% | 66.20% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -1.77% | -1.38% | 1.53% | 3.54% | 4.74% | 4.26% | 5.38% | +386 bps | |
| Loan Growth (YoY) | -0.46% | 1.19% | 3.47% | 2.65% | 2.66% | 0.30% | -2.57% | -5.21% | -786 bps | |
| Share Growth (YoY) | -10.16% | -4.73% | -4.17% | -0.17% | 2.10% | 3.30% | 2.65% | 4.34% | +451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 1.06% | 0.21% | 0.17% | 0.38% | 0.05% | 0.07% | 0.14% | -3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.84% | 25.18% | 25.12% | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Net Worth / Assets | 24.84% | 25.18% | 25.12% | 25.49% | 26.31% | 26.22% | 26.29% | 26.28% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.77% | 55.65% | 55.61% | 55.23% | 56.07% | 54.03% | 52.79% | 50.17% | -506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lufkin, TX · Charter 16351 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.97%
Rank 14 of 235
Net Interest Margin
4.34%
Rank 60 of 235
Efficiency Ratio
66.18%
Rank 39 of 235
Equity / Assets
26.28%
Rank 26 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.97% | 0.17% | 0.57% | 1.10% | Beats 94% | 14 / 235 | ||
| Return on Equity | 7.51% | 1.03% | 4.30% | 7.58% | Beats 74% | 61 / 235 | ||
| Net Interest Margin | 4.34% | 3.32% | 3.89% | 4.35% | Beats 74% | 60 / 235 | ||
| Efficiency Ratio | 66.18% | 70.60% | 82.00% | 91.57% | Beats 84% | 39 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.20% | 0.59% | 1.14% | Beats 80% | 47 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.28% | 11.30% | 14.41% | 19.49% | Beats 89% | 26 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.28% | 11.30% | 14.41% | 19.49% | Beats 89% | 26 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.17% | 54.18% | 67.38% | 81.66% | 20th pctl | 189 / 235 | ||
| Loans / Assets | 36.68% | 43.80% | 56.63% | 68.64% | 14th pctl | 202 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||