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Lehrer Interests

Garwood, TX · Charter 67641

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lehrer Interests

Garwood, TX · Charter 67641

NCUA · 1 branch

Q2 2026

$2.3MAssets
$367KLoans
$1.8MShares
$502KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, up 9 bps year over year; NIM at 1.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.42%, down 124 bps from a year ago.
  • Funding: loans stand at 19.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+9 bps YoY

Net Interest Margin (YTD, annualized)

1.37%0 bps YoY

Efficiency Ratio (YTD, annualized)

79.02%-680 bps YoY

Net Worth / Assets

21.42%-124 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.15%0.14%0.29%0.29%+9 bps
Return on Equity0.88%0.69%0.68%1.33%1.36%+48 bps
Net Interest Margin1.37%1.26%1.16%1.46%1.37%0 bps
Efficiency Ratio85.81%88.04%87.92%80.02%79.02%-680 bps
Growth
Asset Growth (YoY)4.95%5.15%8.97%2.72%6.78%+183 bps
Loan Growth (YoY)-26.27%-26.83%-7.84%6.93%8.30%+3,457 bps
Share Growth (YoY)6.10%6.55%11.41%3.27%8.49%+240 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.28%0.23%0.23%0.27%-2 bps
Capital
Risk-Based Capital22.66%22.41%21.06%21.92%21.42%-124 bps
Net Worth / Assets22.66%22.41%21.06%21.92%21.42%-124 bps
Liquidity & Funding
Loans / Shares19.97%20.53%23.11%24.48%19.93%-4 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lehrer Interests

Garwood, TX · Charter 67641 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$2.3MAssets
$367KLoans
$1.8MShares
$502KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in TX (rank 19 of 235).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in TX (rank 235 of 235).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.26%

Rank 162 of 235

Net Interest Margin

1.37%

Rank 235 of 235

Efficiency Ratio

81.25%

Rank 116 of 235

Equity / Assets

21.43%

Rank 45 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.17%0.57%1.10%Beats 31%162 / 235
Return on Equity1.20%1.03%4.30%7.58%Beats 26%175 / 235
Net Interest Margin1.37%3.32%3.89%4.35%Beats 0%235 / 235
Efficiency Ratio81.25%70.60%82.00%91.57%Beats 51%116 / 235
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.59%1.14%Beats 100%19 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio21.43%11.30%14.41%19.49%Beats 81%45 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets21.43%11.30%14.41%19.49%Beats 81%45 / 235
Liquidity & Funding
Loans / Deposits19.95%54.18%67.38%81.66%0th pctl234 / 235
Loans / Assets15.67%43.80%56.63%68.64%0th pctl234 / 235
Brokered Deposits / Depositsn/aNot reported for this institution