Lauderdale County Teachers

Florence, AL · 2 · Charter #61944 · www.lctcu.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
$37.6M
87th percentile
Members
1,990
65th percentile
Total loans
$12.6M
73th percentile
Total shares
$32.4M
88th percentile

Profitability

Return on assets
1.27%
70th percentile
Net interest margin
3.17%
24th percentile
Efficiency ratio
49.98%
83th percentile
Non-interest income ratio
7.13%
42th percentile

Capital & Risk

Net worth ratio
12.30%
32th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
38.92%
20th percentile

Growth

Member growth YoY
-4.37%
21th percentile
Asset growth YoY
5.18%
75th percentile
Loan growth YoY
-1.91%
55th percentile
Share growth YoY
3.45%
67th percentile

Operations

Members / branch
995
46th percentile
Assets / member
$18,890
94th percentile
Field of membership penetration
49.75%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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