LUFKIN
Charter #16351 · Lufkin, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,103 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 26.29% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.08% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.45% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | LUFKIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.91M | 96th pct | 77th pct |
| Members | 5,103 | 97th pct | 84th pct |
| Net worth ratio | 26.29% | 96th pct | 85th pct |
| Return on average assets | 2.08% | 95th pct | 84th pct |
| Net interest margin | 4.45% | 77th pct | 80th pct |
| Cost of funds | 0.64% | 41th pct | 31th pct |
| Loan-to-share | 52.79% | 43th pct | 44th pct |
| Delinquency 60+ days | 0.07% | 18th pct | 16th pct |
| Net charge-off ratio | 0.18% | 54th pct | 56th pct |
| Loan growth YoY | -2.54% | 49th pct | 66th pct |
| Share growth YoY | 3.52% | 61th pct | 59th pct |
| Efficiency ratio | 64.48% | 16th pct | 34th pct |
structural peer set hash: 22c5f77451f4f2faf22659227ca61e4f… (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.