LIGHT COMMERCE
Charter #68529 · HOUSTON, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.37% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of -0.08% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.18% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.10% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 38th — a 24-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 | LIGHT COMMERCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.21M | 62th pct | 38th pct |
| Members | 808 | 70th pct | 48th pct |
| Net worth ratio | 25.35% | 76th pct | 70th pct |
| Return on average assets | 2.37% | 93th pct | 97th pct |
| Net interest margin | 3.95% | 48th pct | 41th pct |
| Cost of funds | -0.08% | 0th pct | 0th pct |
| Loan-to-share | 62.63% | 55th pct | 49th pct |
| Delinquency 60+ days | 1.62% | 63th pct | 67th pct |
| Net charge-off ratio | -0.18% | 11th pct | 0th pct |
| Loan growth YoY | -5.62% | 48th pct | 44th pct |
| Share growth YoY | -18.08% | 2th pct | 0th pct |
| Efficiency ratio | 70.10% | 25th pct | 21th pct |
structural peer set hash: 2fc42b6f00296633ea7fba45dee10bcf… (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.