Aspire
Lufkin, TX · Charter 67489 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$38.0MAssets
$22.5MLoans
$30.0MShares
$7.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in TX (rank 12 of 235).
- Widest gap: efficiency ratio trails 31% of credit unions under $1B in assets in TX (rank 75 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |