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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.17% | 0.57% | 1.10% | Beats 31% | 162 / 235 | |
| Return on Equity | 1.20% | 1.03% | 4.30% | 7.58% | Beats 26% | 175 / 235 | |
| Net Interest Margin | 1.37% | 3.32% | 3.89% | 4.35% | Beats 0% | 235 / 235 | |
| Efficiency Ratio | 81.25% | 70.60% | 82.00% | 91.57% | Beats 51% | 116 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.59% | 1.14% | Beats 100% | 19 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.43% | 11.30% | 14.41% | 19.49% | Beats 81% | 45 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.43% | 11.30% | 14.41% | 19.49% | Beats 81% | 45 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 19.95% | 54.18% | 67.38% | 81.66% | 0th pctl | 234 / 235 | |
| Loans / Assets | 15.67% | 43.80% | 56.63% | 68.64% | 0th pctl | 234 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |