Lenco

Adrian, MI · 2 · Charter #60991 · www.lenco.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$139.6M
68th percentile
Members
7,660
50th percentile
Total loans
$80.1M
65th percentile
Total shares
$121.8M
70th percentile

Profitability

Return on assets
1.39%
72th percentile
Net interest margin
3.09%
21th percentile
Efficiency ratio
46.31%
89th percentile
Non-interest income ratio
13.15%
30th percentile

Capital & Risk

Net worth ratio
12.05%
47th percentile
Delinquency rate
0.32%
79th percentile
Net charge-off rate
0.08%
86th percentile
Loan-to-share
65.70%
45th percentile

Growth

Member growth YoY
1.48%
75th percentile
Asset growth YoY
6.17%
70th percentile
Loan growth YoY
6.60%
77th percentile
Share growth YoY
5.45%
68th percentile

Operations

Members / branch
3,830
66th percentile
Assets / member
$18,220
77th percentile
Field of membership penetration
7.66%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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