BlastPoint's Credit Union Scorecard
LEHRER INTERESTS
Charter #67641 · TX
<100M
2556 CUs in <100M nationally
243 in TX
LEHRER INTERESTS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 5.36% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Total Members: Bottom 1.4% in tier
- - Members Per Employee (MPE): Bottom 4.0% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
- - Total Loans: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103
+3.0% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$2.4M
+9.0% YoY+6.6% QoQ
|
$-27.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.7% in tier |
| Loans |
$431,577
-7.8% YoY+22.1% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.7% in tier |
| Deposits |
$1.9M
+11.4% YoY+8.5% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.1%
-63.2% YoY-4.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
1.2%
-17.6% YoY-5.5% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
87.9%
+20.8% YoY-0.1% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
23.1%
-17.3% YoY+12.5% QoQ
|
-37.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.0% in tier |
| AMR |
$22,324
+4.1% YoY+10.8% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 13.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
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 Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
193
Deposit Growth Rate
growth
Value:
11.41%
Peer Median: -
#193 of 2556
Top 7.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
274
Member Growth Rate
growth
Value:
3.00%
Peer Median: -
#274 of 2556
Top 10.7% in <100M tier
274
Asset Growth Rate
growth
Value:
8.97%
Peer Median: -
#274 of 2556
Top 10.7% in <100M tier
347
Average Member Relationship (AMR)
engagement
Value:
$22,324
Peer Median: -
#347 of 2556
Top 13.5% in <100M tier
489
Net Worth Ratio
risk
Value:
21.06%
Peer Median: -
#489 of 2556
Top 19.1% in <100M tier
Top Weaknesses (9 metrics)
2525
Net Interest Margin (NIM)
profitability
Value:
1.19%
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2522
Total Members
engagement
Value:
103
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2456
Members Per Employee (MPE)
engagement
Value:
51.500
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2400
Loan-to-Share Ratio
balance_sheet
Value:
23.11%
Peer Median: -
#2400 of 2556
Bottom 6.1% in <100M tier
2384
Total Loans
balance_sheet
Value:
$431,577
Peer Median: -
#2384 of 2556
Bottom 6.8% in <100M tier
2283
Total Assets
balance_sheet
Value:
$2.37M
Peer Median: -
#2283 of 2556
Bottom 10.7% in <100M tier
2274
Total Deposits
balance_sheet
Value:
$1.87M
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2163
Fee Income Per Member
profitability
Value:
$6.83
Peer Median: -
#2163 of 2556
Bottom 15.4% in <100M tier
1974
Return on Assets (ROA)
profitability
Value:
0.15%
Peer Median: -
#1974 of 2556
Bottom 22.8% in <100M tier