Lehrer Interests Credit Union Garwood, Texas
Lehrer Interests Credit Union is a state-chartered credit union headquartered in Garwood, TX (NCUA charter 67641), and it is regulated and insured by the NCUA. At Q2 2026 it reported 101 members and total assets of $2.3M (up 6.8% from Q2 2025), the 362nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 21.42% at Q2 2026, in the well capitalized band.
Also written as Lehrer Interests CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67641
- Headquarters
- Garwood, TX
- Established
- Not reported
- Total assets, Q2 2026
- $2.3M
- Assets vs Q2 2025
- +6.8%
- Members, Q2 2026
- 101
- Net worth ratio, Q2 2026
- 21.42%
- Latest call report
- Q2 2026, NCUA 5300 · Lehrer Interests Credit Union call report
- Asset rank in state
- 362nd of 377 in Texas
- Routing number
- 313182495
- Branches
- 1
It has 1 more member than on June 30, 2025 (+1.0%). Its net worth ratio was down 1.24 percentage points from 22.66% on June 30, 2025. New vehicle loans are its largest loan category, $191K of $367K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Lehrer Interests Credit Union
How big is Lehrer Interests Credit Union?
At Q2 2026 it reported total assets of $2.3M and 101 members.
Where is Lehrer Interests Credit Union headquartered?
It is headquartered in Garwood, TX, United States.
Is Lehrer Interests Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67641): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Lehrer Interests Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Lehrer Interests Credit Union well capitalized?
Its net worth ratio was 21.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Lehrer Interests Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 19.93% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Garwood, TX 77442
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67641
- RSSD ID
- 490599
- Members
- 101
- Potential members
- 150
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.42% | 14.31% | 80th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.30% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.39% | 4.74% | 27th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 1.32% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.96% | 79.83% | 54th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.33% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.65% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 19.93% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.3M total assets against $2.2M; $1.8M total shares and deposits against $1.7M; $367K total loans against $339K.
$502K net worth against $497K.
21.42% net worth ratio against 22.66%.
19.93% loan-to-share ratio against 19.97%.
0.30% return on assets against 0.23%; 1.39% return on equity against 1.00%.
1.32% net interest margin against 1.32%.
101 members against 100.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.42% | 0.30% | — | 19.93% |
| March 31, 2026 | 21.92% | 0.29% | — | 24.48% |
| December 31, 2025 | 21.06% | 0.14% | — | 23.11% |
| September 30, 2025 | 22.41% | 0.07% | — | 20.53% |
| June 30, 2025 | 22.66% | 0.23% | — | 19.97% |
| March 31, 2025 | 22.33% | 0.17% | — | 23.64% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.