PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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