Lcra

Austin, TX · 2 · Charter #67537 · www.lcracu.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
$20.9M
64th percentile
Members
2,086
67th percentile
Total loans
$8.0M
58th percentile
Total shares
$17.6M
63th percentile

Profitability

Return on assets
0.52%
36th percentile
Net interest margin
4.27%
62th percentile
Efficiency ratio
85.19%
17th percentile
Non-interest income ratio
6.53%
39th percentile

Capital & Risk

Net worth ratio
15.52%
54th percentile
Delinquency rate
2.10%
24th percentile
Net charge-off rate
0.85%
20th percentile
Loan-to-share
45.32%
28th percentile

Growth

Member growth YoY
-3.38%
29th percentile
Asset growth YoY
-1.45%
33th percentile
Loan growth YoY
-30.32%
2th percentile
Share growth YoY
-1.67%
37th percentile

Operations

Members / branch
1,043
48th percentile
Assets / member
$10,012
55th percentile
Field of membership penetration
25.46%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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