LEFORS
Charter #13777 · lefors, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 536 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.90% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 10th — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LEFORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.99M | 40th pct | 10th pct |
| Members | 536 | 47th pct | 25th pct |
| Net worth ratio | 23.46% | 71th pct | 69th pct |
| Return on average assets | 0.26% | 44th pct | 31th pct |
| Net interest margin | 4.90% | 75th pct | 84th pct |
| Cost of funds | 0.22% | 31th pct | 13th pct |
| Loan-to-share | 72.83% | 67th pct | 52th pct |
| Delinquency 60+ days | 1.06% | 54th pct | 57th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -12.58% | 20th pct | 10th pct |
| Share growth YoY | -2.85% | 29th pct | 20th pct |
| Efficiency ratio | 94.93% | 64th pct | 74th pct |
structural peer set hash: 36aac306af2e48f7b1ab547a003a6b81… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.