L C E

Painesville, OH · 1 · Charter #13885 · www.lcefcu.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
$68.4M
19th percentile
Members
5,645
31th percentile
Total loans
$33.4M
19th percentile
Total shares
$62.1M
25th percentile

Profitability

Return on assets
1.38%
71th percentile
Net interest margin
3.89%
63th percentile
Efficiency ratio
56.63%
68th percentile
Non-interest income ratio
13.18%
30th percentile

Capital & Risk

Net worth ratio
10.71%
31th percentile
Delinquency rate
0.47%
68th percentile
Net charge-off rate
0.49%
35th percentile
Loan-to-share
53.75%
24th percentile

Growth

Member growth YoY
-1.77%
36th percentile
Asset growth YoY
9.23%
86th percentile
Loan growth YoY
-1.03%
36th percentile
Share growth YoY
7.82%
81th percentile

Operations

Members / branch
2,823
43th percentile
Assets / member
$12,110
29th percentile
Field of membership penetration
1.34%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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