PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lcra

Austin, TX · Charter 67537

NCUA · 2 branches

Q2 2026

$20.2MAssets
$6.9MLoans
$17.0MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.34%, up 17 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.41% of loans (-48 bps YoY).
  • Capital: net worth / assets of 15.96%, up 14 bps from a year ago.
  • Funding: loans stand at 40.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.34%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.29%-19 bps YoY

Efficiency Ratio (quarter, annualized)

86.78%-57 bps YoY

Net Worth / Assets

15.96%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.15%0.21%0.23%0.34%+17 bps
Return on Equity1.12%0.98%1.35%1.47%2.15%+103 bps
Net Interest Margin4.48%4.33%4.27%4.08%4.29%-19 bps
Efficiency Ratio87.34%88.22%88.66%83.70%86.78%-57 bps
Growth
Asset Growth (YoY)-2.48%0.34%-1.45%-0.91%-0.79%+169 bps
Loan Growth (YoY)-29.99%-30.96%-30.32%-30.75%-28.64%+135 bps
Share Growth (YoY)-3.69%-0.42%-1.67%-0.84%-0.55%+313 bps
Asset Quality
Delinquent Loans / Loans0.89%0.89%2.10%2.27%0.41%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.83%15.57%15.52%15.71%15.96%+14 bps
Net Worth / Assets15.83%15.57%15.52%15.71%15.96%+14 bps
Liquidity & Funding
Loans / Shares56.28%50.53%45.32%42.07%40.38%-1,590 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps