Light Commerce
Houston, TX · Charter 68529 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$5.0MAssets
$2.2MLoans
$3.6MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions under $1B in assets in TX (rank 7 of 235).
- Widest gap: nonperforming loans / loans trails 69% of credit unions under $1B in assets in TX (rank 164 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.39%
Rank 7 of 235
Net Interest Margin
4.58%
Rank 42 of 235
Efficiency Ratio
73.36%
Rank 69 of 235
Equity / Assets
26.80%
Rank 23 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.39% | 0.17% | 0.57% | 1.10% | Beats 97% | 7 / 235 | |
| Return on Equity | 8.92% | 1.03% | 4.30% | 7.58% | Beats 81% | 45 / 235 | |
| Net Interest Margin | 4.58% | 3.32% | 3.89% | 4.35% | Beats 82% | 42 / 235 | |
| Efficiency Ratio | 73.36% | 70.60% | 82.00% | 91.57% | Beats 71% | 69 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.20% | 0.59% | 1.14% | Beats 31% | 164 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.80% | 11.30% | 14.41% | 19.49% | Beats 90% | 23 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.80% | 11.30% | 14.41% | 19.49% | Beats 90% | 23 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 62.14% | 54.18% | 67.38% | 81.66% | 39th pctl | 143 / 235 | |
| Loans / Assets | 44.26% | 43.80% | 56.63% | 68.64% | 26th pctl | 175 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |