LCRA
Charter #67537 · Austin, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.27% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 38th — a 20-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 | LCRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.69M | 37th pct | 31th pct |
| Members | 2,115 | 51th pct | 44th pct |
| Net worth ratio | 15.71% | 64th pct | 74th pct |
| Return on average assets | 0.23% | 28th pct | 28th pct |
| Net interest margin | 4.06% | 60th pct | 57th pct |
| Cost of funds | 0.25% | 18th pct | 38th pct |
| Loan-to-share | 42.07% | 24th pct | 34th pct |
| Delinquency 60+ days | 2.27% | 88th pct | 93th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | -16.40% | 1th pct | 2th pct |
| Share growth YoY | 0.40% | 30th pct | 31th pct |
| Efficiency ratio | 83.70% | 59th pct | 49th pct |
structural peer set hash: 06917624f36046c5e01cf28c416687ad… (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.