LONE STAR
Charter #68449 · Dallas, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.68% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.25% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.47% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.20% ranks in the 7th 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 | LONE STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.90M | 48th pct | 46th pct |
| Members | 11,776 | 43th pct | 31th pct |
| Net worth ratio | 8.68% | 10th pct | 13th pct |
| Return on average assets | 0.25% | 20th pct | 23th pct |
| Net interest margin | 3.47% | 38th pct | 21th pct |
| Cost of funds | 1.58% | 71th pct | 93th pct |
| Loan-to-share | 71.39% | 50th pct | 51th pct |
| Delinquency 60+ days | 0.20% | 14th pct | 7th pct |
| Net charge-off ratio | 1.10% | 91th pct | 85th pct |
| Loan growth YoY | -0.59% | 40th pct | 39th pct |
| Share growth YoY | -0.32% | 8th pct | 5th pct |
| Efficiency ratio | 86.34% | 76th pct | 69th pct |
structural peer set hash: 8599e342831cddfa69eec86ccb1c0813… (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.