Capital
Lubbock, TX · Charter 24930 · Peer group: credit unions under $1B in assets in TX (n=239)
NCUA · 2 branches
Q4 2025
$4.2MAssets
$1.7MLoans
$3.1MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in TX (rank 24 of 239).
- Widest gap: return on assets trails 98% of credit unions under $1B in assets in TX (rank 235 of 239).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |