LEHRER INTERESTS
Charter #67641 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
LEHRER INTERESTS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 6.65% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Total Members: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Total Loans: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103
+3.0% YoY+3.0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.5% in tier |
| Assets |
$2.2M
+5.1% YoY+1.2% QoQ
|
$-27.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.7% in tier |
| Loans |
$353,457
-26.8% YoY+4.4% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.9% in tier |
| Deposits |
$1.7M
+6.5% YoY+1.5% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.9% in tier |
| ROA |
0.2%
-70.8% YoY-22.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 21.9% in tier |
| NIM |
1.3%
-23.0% YoY-7.2% QoQ
|
-2.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
88.0%
+29.2% YoY+2.6% QoQ
|
+6.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
73rd 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 |
20.5%
-31.3% YoY+2.8% QoQ
|
-40.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.6% in tier |
| AMR |
$20,146
-4.0% YoY-1.0% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 20.0% in tier |
| CD Concentration | 0.0% | -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 (10 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
319
Member Growth Rate
growth
Value:
3.00%
Peer Avg: 14.92%
#319 of 2596
Top 12.2% in <100M tier
406
Net Worth Ratio
risk
Value:
22.41%
Peer Avg: 16.43%
#406 of 2596
Top 15.6% in <100M tier
458
Deposit Growth Rate
growth
Value:
6.55%
Peer Avg: 16.80%
#458 of 2596
Top 17.6% in <100M tier
519
Average Member Relationship (AMR)
engagement
Value:
$20,146
Peer Avg: $14,627
#519 of 2596
Top 20.0% in <100M tier
646
Asset Growth Rate
growth
Value:
5.15%
Peer Avg: 1.82%
#646 of 2596
Top 24.8% in <100M tier
Top Weaknesses (11 metrics)
2569
Net Interest Margin (NIM)
profitability
Value:
1.26%
Peer Avg: 3.93%
#2569 of 2596
Bottom 1.1% in <100M tier
2557
Total Members
engagement
Value:
103
Peer Avg: 2,626
#2557 of 2596
Bottom 1.5% in <100M tier
2512
Loan Growth Rate
growth
Value:
-26.83%
Peer Avg: 59.01%
#2512 of 2596
Bottom 3.3% in <100M tier
2496
Members Per Employee (MPE)
engagement
Value:
51.500
Peer Avg: 365.701
#2496 of 2596
Bottom 3.9% in <100M tier
2473
Loan-to-Share Ratio
balance_sheet
Value:
20.53%
Peer Avg: 61.23%
#2473 of 2596
Bottom 4.8% in <100M tier
2443
Total Loans
balance_sheet
Value:
$353,457
Peer Avg: $15.77M
#2443 of 2596
Bottom 5.9% in <100M tier
2317
Total Assets
balance_sheet
Value:
$2.22M
Peer Avg: $29.86M
#2317 of 2596
Bottom 10.8% in <100M tier
2313
Total Deposits
balance_sheet
Value:
$1.72M
Peer Avg: $25.45M
#2313 of 2596
Bottom 10.9% in <100M tier
2158
Fee Income Per Member
profitability
Value:
$7.81
Peer Avg: $182.96
#2158 of 2596
Bottom 16.9% in <100M tier
2063
AMR Growth Rate
growth
Value:
-4.01%
Peer Avg: 4.67%
#2063 of 2596
Bottom 20.6% in <100M tier