Lubbock, TX · Charter 97103
NCUA · 10 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
24
Profitability
49
Liquidity
48
Efficiency
24
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.
Lubbock, TX · Charter 97103
NCUA · 10 branches
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 | 0.98% | 0.91% | 0.88% | 0.97% | 0.96% | 0.91% | 0.76% | 0.72% | -26 bps | |
| Return on Equity | 8.40% | 7.82% | 7.73% | 8.52% | 8.37% | 8.02% | 6.91% | 6.57% | -195 bps | |
| Net Interest Margin | 3.53% | 3.53% | 3.72% | 3.83% | 3.92% | 3.86% | 3.64% | 3.63% | -20 bps | |
| Efficiency Ratio | 76.12% | 75.26% | 74.57% | 72.23% | 73.26% | 74.07% | 76.60% | 78.00% | +577 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.88% | 9.31% | 8.18% | 6.85% | 6.99% | 9.32% | 71.14% | 72.48% | +6,563 bps | |
| Loan Growth (YoY) | 4.65% | 7.07% | 9.45% | 9.79% | 7.99% | 6.74% | 58.63% | 63.25% | +5,346 bps | |
| Share Growth (YoY) | 13.89% | 15.63% | 10.50% | 2.16% | 7.09% | 9.11% | 73.91% | 74.08% | +7,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.91% | 0.91% | 0.75% | 0.93% | 0.95% | 0.77% | 1.07% | +32 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 | 11.62% | 11.65% | 11.32% | 11.44% | 11.53% | 11.34% | 10.95% | 10.90% | -54 bps | |
| Net Worth / Assets | 11.62% | 11.65% | 11.32% | 11.44% | 11.53% | 11.34% | 10.95% | 10.90% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.56% | 99.46% | 99.27% | 101.97% | 96.36% | 97.30% | 90.55% | 95.63% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lubbock, TX · Charter 97103 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.72%
Rank 263 of 435
Net Interest Margin
3.63%
Rank 145 of 435
Efficiency Ratio
78.00%
Rank 331 of 435
Equity / Assets
10.90%
Rank 213 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.55% | 0.81% | 1.14% | Beats 40% | 263 / 435 | ||
| Return on Equity | 6.57% | 5.12% | 7.41% | 9.70% | Beats 40% | 263 / 435 | ||
| Net Interest Margin | 3.63% | 3.01% | 3.39% | 3.75% | Beats 66% | 145 / 435 | ||
| Efficiency Ratio | 78.00% | 65.25% | 71.39% | 77.86% | Beats 24% | 331 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.45% | 0.69% | 1.05% | Beats 24% | 331 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.90% | 9.81% | 10.84% | 12.63% | Beats 51% | 213 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.90% | 9.81% | 10.84% | 12.63% | Beats 51% | 213 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.63% | 78.33% | 88.38% | 95.61% | 75th pctl | 108 / 435 | ||
| Loans / Assets | 80.81% | 67.69% | 74.58% | 80.80% | 75th pctl | 108 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||