Lufkin, TX · Charter 67440
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
71
Asset Quality
88
Profitability
95
Liquidity
0
Efficiency
96
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 67440
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 | 0.84% | 1.10% | 1.75% | 1.52% | 1.62% | 1.79% | 2.16% | 2.33% | +81 bps | |
| Return on Equity | 5.54% | 7.04% | 10.94% | 9.35% | 9.71% | 10.32% | 12.14% | 12.67% | +332 bps | |
| Net Interest Margin | 3.81% | 4.10% | 4.82% | 4.69% | 4.79% | 4.97% | 4.98% | 5.15% | +46 bps | |
| Efficiency Ratio | 79.59% | 74.85% | 66.27% | 69.06% | 67.92% | 66.23% | 58.41% | 55.67% | -1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.93% | -5.17% | -1.25% | 0.20% | 0.56% | 0.67% | 0.81% | 0.06% | -14 bps | |
| Loan Growth (YoY) | -11.39% | -14.75% | -19.08% | -18.30% | -4.10% | -2.68% | -1.89% | -1.35% | +1,695 bps | |
| Share Growth (YoY) | -7.68% | -7.12% | -3.07% | -1.50% | -1.33% | -1.42% | -1.33% | -2.60% | -110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.02% | 0.00% | 0.19% | 0.18% | 0.08% | 0.16% | 0.04% | -15 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 | 15.12% | 15.67% | 16.02% | 16.21% | 16.72% | 17.36% | 17.78% | 18.38% | +217 bps | |
| Net Worth / Assets | 15.12% | 15.67% | 16.02% | 16.21% | 16.72% | 17.36% | 17.78% | 18.38% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.48% | 42.95% | 38.37% | 36.14% | 40.32% | 42.40% | 38.15% | 36.60% | +47 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 67440 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
2.33%
Rank 10 of 235
Net Interest Margin
5.14%
Rank 13 of 235
Efficiency Ratio
55.78%
Rank 11 of 235
Equity / Assets
18.38%
Rank 67 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.33% | 0.17% | 0.57% | 1.10% | Beats 96% | 10 / 235 | ||
| Return on Equity | 12.68% | 1.03% | 4.30% | 7.58% | Beats 95% | 11 / 235 | ||
| Net Interest Margin | 5.14% | 3.32% | 3.89% | 4.35% | Beats 94% | 13 / 235 | ||
| Efficiency Ratio | 55.78% | 70.60% | 82.00% | 91.57% | Beats 96% | 11 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.59% | 1.14% | Beats 88% | 29 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.38% | 11.30% | 14.41% | 19.49% | Beats 71% | 67 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.38% | 11.30% | 14.41% | 19.49% | Beats 71% | 67 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.60% | 54.18% | 67.38% | 81.66% | 7th pctl | 218 / 235 | ||
| Loans / Assets | 29.79% | 43.80% | 56.63% | 68.64% | 8th pctl | 217 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||