Lufkin
Lufkin, TX · Charter 16351 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$47.8MAssets
$17.5MLoans
$34.9MShares
$12.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in TX (rank 14 of 235).
- Widest gap: net interest margin trails 26% of credit unions under $1B in assets in TX (rank 60 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 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 |