Lubrizol Employees'

Deer Park, TX · 2 · Charter #60378 · www.lzecu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$49.2M
99th percentile
Members
3,466
90th percentile
Total loans
$26.2M
95th percentile
Total shares
$39.5M
97th percentile

Profitability

Return on assets
1.02%
60th percentile
Net interest margin
4.25%
61th percentile
Efficiency ratio
71.81%
39th percentile
Non-interest income ratio
12.58%
61th percentile

Capital & Risk

Net worth ratio
19.12%
70th percentile
Delinquency rate
0.58%
54th percentile
Net charge-off rate
0.63%
27th percentile
Loan-to-share
66.41%
58th percentile

Growth

Member growth YoY
1.61%
81th percentile
Asset growth YoY
-4.15%
19th percentile
Loan growth YoY
5.98%
81th percentile
Share growth YoY
-5.84%
17th percentile

Operations

Members / branch
3,466
95th percentile
Assets / member
$14,192
82th percentile
Field of membership penetration
66.67%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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