| Metric | Lcra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -0.6% | +0.9% | -1.5 pts |
| Loan growth (YoY) | -28.6% | -2.6% | -26.0 pts |
| ROA | 0.34% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.2M | $17.0M | $6.9M | $3.2M | $35K | 0.34% | 4.29% | 0.41% | 2,051 |
| Q1 2026 | $20.7M | $17.4M | $7.3M | $3.3M | $12K | 0.23% | 4.08% | 2.27% | 2,115 |
| Q4 2025 | $20.9M | $17.6M | $8.0M | $3.2M | $44K | 0.21% | 4.27% | 2.10% | 2,086 |
| Q3 2025 | $20.8M | $17.4M | $8.8M | $3.2M | $24K | 0.15% | 4.33% | 0.89% | 2,103 |
| Q2 2025 | $20.4M | $17.1M | $9.6M | $3.2M | $18K | 0.18% | 4.48% | 0.89% | 2,123 |
| Q1 2025 | $20.9M | $17.6M | $10.6M | $3.2M | $8K | 0.15% | 4.18% | 1.19% | 2,140 |
| Q4 2024 | $21.2M | $17.9M | $11.5M | $3.2M | $98K | 0.46% | 4.34% | 1.81% | 2,159 |
| Q3 2024 | $20.7M | $17.4M | $12.7M | $3.2M | $78K | 0.50% | 4.51% | 1.42% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,171 |
| Q2 2024 | $20.9M | $17.7M | $13.7M | $3.2M | $50K | 0.48% | 4.41% | 0.49% | 2,190 |
Loan mix (Q2 2026): real estate $982K · commercial $0 · consumer $5.7M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 80.6% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lcra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Travis, TX, ranked 75th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Travis, TX | 1 | $8.5M* | 0.01% | 75th |
| Fayette, TX | 1 | $8.5M* | 0.47% | 9th |
Texas: 745th with 0.00% · Austin-Round Rock-San Marcos metro: 98th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2