Library of Congress

WASHINGTON, DC · 1 · Charter #266 · WWW.LCFCU.ORG
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$339.8M
26th percentile
Members
10,017
2th percentile
Total loans
$188.8M
16th percentile
Total shares
$281.9M
24th percentile

Profitability

Return on assets
1.14%
62th percentile
Net interest margin
2.72%
12th percentile
Efficiency ratio
42.50%
94th percentile
Non-interest income ratio
9.93%
7th percentile

Capital & Risk

Net worth ratio
16.16%
94th percentile
Delinquency rate
0.41%
78th percentile
Net charge-off rate
0.44%
47th percentile
Loan-to-share
66.96%
22th percentile

Growth

Member growth YoY
-2.01%
24th percentile
Asset growth YoY
2.42%
29th percentile
Loan growth YoY
-3.21%
13th percentile
Share growth YoY
1.99%
27th percentile

Operations

Members / branch
3,339
22th percentile
Assets / member
$33,920
98th percentile
Field of membership penetration
45.53%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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