Light Commerce

HOUSTON, TX · 2 · Charter #68529 · www.lightcommercecu.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
$6.8M
32th percentile
Members
819
31th percentile
Total loans
$2.4M
25th percentile
Total shares
$5.4M
32th percentile

Profitability

Return on assets
3.07%
98th percentile
Net interest margin
3.74%
41th percentile
Efficiency ratio
58.37%
69th percentile
Non-interest income ratio
50.26%
98th percentile

Capital & Risk

Net worth ratio
18.92%
70th percentile
Delinquency rate
1.59%
30th percentile
Net charge-off rate
0.50%
32th percentile
Loan-to-share
44.01%
27th percentile

Growth

Member growth YoY
-2.27%
41th percentile
Asset growth YoY
38.03%
99th percentile
Loan growth YoY
-29.98%
2th percentile
Share growth YoY
40.68%
99th percentile

Operations

Members / branch
819
39th percentile
Assets / member
$8,300
41th percentile
Field of membership penetration
8.19%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Light Commerce?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo