Leatherstocking Region

COOPERSTOWN, NY · 1 · Charter #22625 · www.lsrfcu.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
$101.3M
47th percentile
Members
5,965
34th percentile
Total loans
$62.8M
53th percentile
Total shares
$88.9M
49th percentile

Profitability

Return on assets
1.76%
86th percentile
Net interest margin
3.98%
68th percentile
Efficiency ratio
47.75%
86th percentile
Non-interest income ratio
11.00%
20th percentile

Capital & Risk

Net worth ratio
12.12%
49th percentile
Delinquency rate
0.99%
34th percentile
Net charge-off rate
0.45%
38th percentile
Loan-to-share
70.68%
55th percentile

Growth

Member growth YoY
6.56%
95th percentile
Asset growth YoY
13.32%
95th percentile
Loan growth YoY
13.97%
93th percentile
Share growth YoY
13.16%
93th percentile

Operations

Members / branch
5,965
89th percentile
Assets / member
$16,976
70th percentile
Field of membership penetration
1.67%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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