Lcra
Austin, TX · Charter 67537 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$20.2MAssets
$6.9MLoans
$17.0MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets in TX (rank 63 of 235).
- Widest gap: return on equity trails 66% of credit unions under $1B in assets in TX (rank 156 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.35%
Rank 149 of 235
Net Interest Margin
4.29%
Rank 63 of 235
Efficiency Ratio
86.85%
Rank 154 of 235
Equity / Assets
15.96%
Rank 92 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.17% | 0.57% | 1.10% | Beats 37% | 149 / 235 | |
| Return on Equity | 2.17% | 1.03% | 4.30% | 7.58% | Beats 34% | 156 / 235 | |
| Net Interest Margin | 4.29% | 3.32% | 3.89% | 4.35% | Beats 73% | 63 / 235 | |
| Efficiency Ratio | 86.85% | 70.60% | 82.00% | 91.57% | Beats 35% | 154 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.20% | 0.59% | 1.14% | Beats 63% | 87 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.96% | 11.30% | 14.41% | 19.49% | Beats 61% | 92 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.96% | 11.30% | 14.41% | 19.49% | Beats 61% | 92 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 40.38% | 54.18% | 67.38% | 81.66% | 9th pctl | 213 / 235 | |
| Loans / Assets | 33.91% | 43.80% | 56.63% | 68.64% | 11th pctl | 208 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |