Lutheran

Saint Louis, MO · 1 · Charter #24861 · www.lutheranfcu.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
$36.9M
86th percentile
Members
4,514
96th percentile
Total loans
$18.4M
86th percentile
Total shares
$33.5M
89th percentile

Profitability

Return on assets
0.77%
48th percentile
Net interest margin
3.55%
35th percentile
Efficiency ratio
79.91%
24th percentile
Non-interest income ratio
31.28%
95th percentile

Capital & Risk

Net worth ratio
8.97%
9th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.08%
63th percentile
Loan-to-share
55.04%
42th percentile

Growth

Member growth YoY
1.90%
83th percentile
Asset growth YoY
13.59%
96th percentile
Loan growth YoY
0.55%
65th percentile
Share growth YoY
14.27%
96th percentile

Operations

Members / branch
no peer data
Assets / member
$8,172
41th percentile
Field of membership penetration
0.23%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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