Lockport Schools & Community

LOCKPORT, NY · 1 · Charter #17372 · www.lscfcu.org
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
$26.3M
72th percentile
Members
1,693
58th percentile
Total loans
$15.4M
79th percentile
Total shares
$24.1M
75th percentile

Profitability

Return on assets
1.00%
59th percentile
Net interest margin
3.66%
38th percentile
Efficiency ratio
65.66%
52th percentile
Non-interest income ratio
8.16%
45th percentile

Capital & Risk

Net worth ratio
8.32%
7th percentile
Delinquency rate
0.61%
54th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
64.01%
55th percentile

Growth

Member growth YoY
1.38%
80th percentile
Asset growth YoY
7.28%
85th percentile
Loan growth YoY
-4.19%
45th percentile
Share growth YoY
7.01%
84th percentile

Operations

Members / branch
847
40th percentile
Assets / member
$15,523
87th percentile
Field of membership penetration
16.93%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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