| Metric | Lone Star Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.9% | -3.2 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.9M | $171.5M | $122.5M | $16.5M | $120K | 0.25% | 3.47% | 0.20% | 11,776 |
| Q4 2025 | $189.2M | $171.1M | $126.1M | $16.4M | $416K | 0.22% | 3.50% | 0.57% | 11,802 |
| Q3 2025 | $190.1M | $172.1M | $123.2M | $16.3M | $325K | 0.23% | 3.43% | 0.34% | 11,696 |
| Q2 2025 | $187.6M | $169.4M | $124.4M | $16.2M | $238K | 0.25% | 3.43% | 0.41% | 11,629 |
| Q1 2025 | $188.5M | $170.9M | $123.8M | $16.1M | $113K | 0.24% | 3.33% | 0.24% | 11,465 |
| Q4 2024 | $178.3M | $161.1M | $124.8M | $16.0M | $784K | 0.44% | 3.39% | 0.70% | 11,345 |
| Q3 2024 | $168.9M | $154.4M | $122.4M | $15.7M | $419K | 0.33% | 3.51% | 0.52% | 11,209 |
| Q2 2024 | $173.5M | $158.5M | $123.6M | $15.6M | $262K | 0.30% | 3.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Lone Star Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 11,135 |
Loan mix (Q1 2026): real estate $61.3M · commercial $0 · consumer $57.0M · securities $25.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 78.7% | 76th |
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 | Lone Star 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 | Lone Star 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 | Lone Star 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 | Lone Star 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.