LUBRIZOL EMPLOYEES'
Charter #60378 · Deer Park, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.84% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 46th — a 44-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 | LUBRIZOL EMPLOYEES' | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.41M | 2th pct | 46th pct |
| Members | 3,484 | 18th pct | 43th pct |
| Net worth ratio | 18.84% | 87th pct | 75th pct |
| Return on average assets | 0.75% | 53th pct | 38th pct |
| Net interest margin | 4.12% | 73th pct | 48th pct |
| Cost of funds | 0.58% | 27th pct | 39th pct |
| Loan-to-share | 63.12% | 54th pct | 48th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 52th pct |
| Net charge-off ratio | 0.15% | 39th pct | 43th pct |
| Loan growth YoY | -0.39% | 61th pct | 67th pct |
| Share growth YoY | 3.52% | 59th pct | 61th pct |
| Efficiency ratio | 80.96% | 54th pct | 67th pct |
structural peer set hash: 420af4b94471d36c24d4e327a5c76ea5… (reproducible)
Closest structural peers
This is the free public view
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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.