Lm

BALTIMORE, MD · 1 · Charter #6039 · www.lmfcu.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
$59.5M
11th percentile
Members
3,602
10th percentile
Total loans
$41.5M
30th percentile
Total shares
$52.2M
13th percentile

Profitability

Return on assets
1.68%
83th percentile
Net interest margin
3.97%
67th percentile
Efficiency ratio
50.24%
83th percentile
Non-interest income ratio
8.89%
11th percentile

Capital & Risk

Net worth ratio
11.95%
46th percentile
Delinquency rate
0.12%
92th percentile
Net charge-off rate
0.05%
91th percentile
Loan-to-share
79.49%
70th percentile

Growth

Member growth YoY
1.04%
70th percentile
Asset growth YoY
2.36%
37th percentile
Loan growth YoY
8.46%
82th percentile
Share growth YoY
0.77%
28th percentile

Operations

Members / branch
1,201
4th percentile
Assets / member
$16,509
67th percentile
Field of membership penetration
24.67%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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