Legacy

Joplin, MO · 2 · Charter #64708 · www.yourlcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.1M
70th percentile
Members
3,207
87th percentile
Total loans
$15.2M
79th percentile
Total shares
$20.6M
69th percentile

Profitability

Return on assets
1.41%
76th percentile
Net interest margin
3.76%
42th percentile
Efficiency ratio
48.09%
85th percentile
Non-interest income ratio
3.53%
27th percentile

Capital & Risk

Net worth ratio
16.92%
61th percentile
Delinquency rate
1.35%
34th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
73.60%
68th percentile

Growth

Member growth YoY
1.30%
79th percentile
Asset growth YoY
2.18%
57th percentile
Loan growth YoY
-2.10%
54th percentile
Share growth YoY
0.48%
50th percentile

Operations

Members / branch
1,604
67th percentile
Assets / member
$7,832
37th percentile
Field of membership penetration
64.14%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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