Lufkin, TX · Charter 67489
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
78
Asset Quality
88
Profitability
86
Liquidity
68
Efficiency
69
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 67489
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 | 1.98% | 1.98% | 1.49% | 1.94% | 1.89% | 1.83% | 1.80% | 1.56% | -38 bps | |
| Return on Equity | 11.33% | 10.79% | 8.19% | 10.27% | 9.92% | 9.38% | 8.91% | 7.60% | -268 bps | |
| Net Interest Margin | 4.88% | 5.02% | 5.05% | 5.19% | 5.18% | 5.22% | 5.18% | 5.16% | -3 bps | |
| Efficiency Ratio | 66.06% | 66.51% | 72.78% | 69.14% | 69.16% | 70.49% | 70.60% | 73.92% | +478 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | -2.46% | 0.38% | 0.21% | 2.09% | 3.43% | -0.43% | 0.02% | -19 bps | |
| Loan Growth (YoY) | -1.52% | -2.88% | -4.45% | -9.04% | -4.97% | -4.89% | 2.27% | 1.59% | +1,062 bps | |
| Share Growth (YoY) | -2.69% | -5.28% | -1.89% | -2.31% | 0.05% | 0.61% | -3.14% | -2.17% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.30% | 0.02% | 0.06% | 0.19% | 0.19% | 0.10% | 0.05% | -1 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 | 17.51% | 18.32% | 18.21% | 18.86% | 19.08% | 19.54% | 20.22% | 20.52% | +166 bps | |
| Net Worth / Assets | 17.51% | 18.32% | 18.21% | 18.86% | 19.08% | 19.54% | 20.22% | 20.52% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.72% | 76.23% | 72.92% | 72.17% | 72.87% | 72.06% | 77.00% | 74.94% | +277 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 67489 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
1.56%
Rank 29 of 235
Net Interest Margin
5.16%
Rank 12 of 235
Efficiency Ratio
73.88%
Rank 75 of 235
Equity / Assets
20.52%
Rank 51 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.17% | 0.57% | 1.10% | Beats 88% | 29 / 235 | ||
| Return on Equity | 7.60% | 1.03% | 4.30% | 7.58% | Beats 75% | 58 / 235 | ||
| Net Interest Margin | 5.16% | 3.32% | 3.89% | 4.35% | Beats 95% | 12 / 235 | ||
| Efficiency Ratio | 73.88% | 70.60% | 82.00% | 91.57% | Beats 69% | 75 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.59% | 1.14% | Beats 88% | 30 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.52% | 11.30% | 14.41% | 19.49% | Beats 78% | 51 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.52% | 11.30% | 14.41% | 19.49% | Beats 78% | 51 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.94% | 54.18% | 67.38% | 81.66% | 65th pctl | 82 / 235 | ||
| Loans / Assets | 59.13% | 43.80% | 56.63% | 68.64% | 55th pctl | 106 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||