Lubbock, TX · Charter 24930
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=239). 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
79
Profitability
32
Liquidity
38
Efficiency
6
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.
Lubbock, TX · Charter 24930
NCUA · 2 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.04% | 0.58% | 0.11% | -2.79% | -263 bps | |
| Return on Equity | -0.75% | 0.18% | 2.71% | 0.47% | -10.88% | -1,014 bps | |
| Net Interest Margin | 3.17% | 2.93% | 3.53% | 4.05% | 5.05% | +189 bps | |
| Efficiency Ratio | 100.05% | 95.01% | 95.38% | 96.85% | 104.69% | +464 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.34% | 8.81% | -14.78% | -22.03% | -43.87% | -5,422 bps | |
| Loan Growth (YoY) | -12.44% | -7.69% | -6.23% | -12.40% | -19.55% | -711 bps | |
| Share Growth (YoY) | 22.88% | 17.74% | -16.47% | -23.34% | -47.66% | -7,053 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.30% | 0.25% | 2.24% | 0.00% | 0.26% | -204 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.29% | 21.72% | 21.48% | 24.52% | 25.66% | +437 bps | |
| Net Worth / Assets | 21.29% | 21.72% | 21.48% | 24.52% | 25.66% | +437 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.16% | 35.92% | 39.41% | 45.35% | 54.04% | +1,888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lubbock, TX · Charter 24930 · Peer group: credit unions under $1B in assets in TX (n=239)
NCUA · 2 branches
Q4 2025
Return on Assets
-2.80%
Rank 235 of 239
Net Interest Margin
5.05%
Rank 24 of 239
Efficiency Ratio
104.74%
Rank 226 of 239
Equity / Assets
25.65%
Rank 26 of 239
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.80% | 0.17% | 0.66% | 1.12% | Beats 2% | 235 / 239 | |
| Return on Equity | -10.91% | 1.36% | 4.35% | 8.03% | Beats 4% | 229 / 239 | |
| Net Interest Margin | 5.05% | 3.30% | 3.85% | 4.42% | Beats 90% | 24 / 239 | |
| Efficiency Ratio | 104.74% | 70.49% | 79.96% | 89.30% | Beats 6% | 226 / 239 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.31% | 0.68% | 1.36% | Beats 79% | 51 / 239 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.66% | 11.14% | 14.17% | 19.45% | Beats 89% | 26 / 239 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.65% | 11.14% | 14.17% | 19.46% | Beats 89% | 26 / 239 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.04% | 56.30% | 70.17% | 82.36% | 21st pctl | 190 / 239 | |
| Loans / Assets | 39.54% | 46.49% | 58.65% | 69.60% | 17th pctl | 198 / 239 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||