Lco

Hayward, WI · 1 · Charter #24648 · www.lcofcu.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
$2.7M
15th percentile
Members
1,311
47th percentile
Total loans
$956.3K
14th percentile
Total shares
$2.4M
17th percentile

Profitability

Return on assets
0.78%
49th percentile
Net interest margin
5.70%
93th percentile
Efficiency ratio
90.31%
12th percentile
Non-interest income ratio
31.16%
94th percentile

Capital & Risk

Net worth ratio
14.09%
45th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
40.61%
22th percentile

Growth

Member growth YoY
4.05%
92th percentile
Asset growth YoY
6.18%
81th percentile
Loan growth YoY
12.10%
92th percentile
Share growth YoY
6.12%
81th percentile

Operations

Members / branch
1,311
58th percentile
Assets / member
$2,095
4th percentile
Field of membership penetration
21.85%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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