TEXAS LEE
Charter #18218 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
TEXAS LEE has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.56% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 1.3% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - Total Loans: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
-6.5% YoY-2.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$910,410
-0.8% YoY-1.5% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.0% in tier |
| Loans |
$458,795
-19.2% YoY-4.7% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.0% in tier |
| Deposits |
$783,373
-2.9% YoY-2.7% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.7% in tier |
| ROA |
3.2%
-12.8% YoY+5.4% QoQ
|
+2.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.8% in tier |
| NIM |
3.8%
-12.2% YoY+5.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
14.6%
+4.5% YoY+1.4% QoQ
|
-66.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
58.6%
-16.8% YoY-2.1% QoQ
|
-2.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$12,422
-3.3% YoY-0.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration |
0.0%
-100.0% YoY-100.0% QoQ
|
-24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
12
Efficiency Ratio
profitability
Value:
14.57%
Peer Avg: 81.39%
#12 of 2596
Top 0.4% in <100M tier
48
Return on Assets (ROA)
profitability
Value:
3.24%
Peer Avg: 0.68%
#48 of 2596
Top 1.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (9 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2562
Total Members
engagement
Value:
100
Peer Avg: 2,626
#2562 of 2596
Bottom 1.3% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2466
Total Assets
balance_sheet
Value:
$910,410
Peer Avg: $29.86M
#2466 of 2596
Bottom 5.0% in <100M tier
2447
Total Deposits
balance_sheet
Value:
$783,373
Peer Avg: $25.45M
#2447 of 2596
Bottom 5.8% in <100M tier
2420
Loan Growth Rate
growth
Value:
-19.24%
Peer Avg: 59.01%
#2420 of 2596
Bottom 6.8% in <100M tier
2414
Total Loans
balance_sheet
Value:
$458,795
Peer Avg: $15.77M
#2414 of 2596
Bottom 7.0% in <100M tier
2307
Member Growth Rate
growth
Value:
-6.54%
Peer Avg: 14.92%
#2307 of 2596
Bottom 11.2% in <100M tier
1993
AMR Growth Rate
growth
Value:
-3.32%
Peer Avg: 4.67%
#1993 of 2596
Bottom 23.3% in <100M tier