LIFETIME
Charter #6012 · Richardson, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.32% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.22% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.74% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.99% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.23% sits at the 79th percentile of structural peers — worth a closer look.
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 | LIFETIME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.98M | 18th pct | 38th pct |
| Members | 4,215 | 32th pct | 41th pct |
| Net worth ratio | 18.32% | 86th pct | 87th pct |
| Return on average assets | 0.22% | 22th pct | 23th pct |
| Net interest margin | 2.74% | 8th pct | 0th pct |
| Cost of funds | 1.99% | 92th pct | 97th pct |
| Loan-to-share | 56.00% | 42th pct | 61th pct |
| Delinquency 60+ days | 1.23% | 79th pct | 79th pct |
| Net charge-off ratio | 0.48% | 70th pct | 56th pct |
| Loan growth YoY | -6.71% | 10th pct | 7th pct |
| Share growth YoY | 2.26% | 43th pct | 49th pct |
| Efficiency ratio | 89.74% | 79th pct | 74th pct |
structural peer set hash: 22c50ff7d607f7b303b2c630daa66af1… (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.