L G & W Federal Credit Union
Total assets
$116.2M
▲ +3.6% YoY
Shares & deposits
$92.5M
▲ +2.9% YoY
Loans
$32.4M
▼ -1.1% YoY
Members
5,707
▲ +0.5% YoY
ROA (annualized)
1.42%
peers 0.69%
ROE (annualized)
6.70%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 1.42% | 0.69% | +0.7 pts |
| ROE | 6.7% | 5.9% | +0.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1616 Whitten Rd, Memphis, TN, 38134
- NCUA charter #
- 3796
- RSSD ID
- 424576
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.2M | $92.5M | $32.4M | $24.7M | $413K | 1.42% | 3.48% | 0.48% | 5,707 |
| Q4 2025 | $112.5M | $89.1M | $33.3M | $24.2M | $945K | 0.84% | 3.06% | 0.33% | 5,708 |
| Q3 2025 | $111.3M | $87.8M | $32.7M | $24.4M | $1.1M | 1.35% | 3.51% | 0.33% | 5,739 |
| Q2 2025 | $111.3M | $88.4M | $32.6M | $24.0M | $746K | 1.34% | 3.45% | 0.49% | 5,723 |
| Q1 2025 | $112.2M | $89.9M | $32.7M | $23.7M | $384K | 1.37% | 3.29% | 0.69% | 5,678 |
| Q4 2024 | $108.8M | $87.6M | $33.9M | $23.3M | $1.1M | 1.01% | 3.19% | 0.60% | 5,649 |
| Q3 2024 | $110.9M | $88.7M | $33.7M | $23.2M | $1.0M | 1.24% | 3.50% | 0.09% | 5,628 |
| Q2 2024 | $110.8M | $89.8M | $33.5M | $22.9M | $689K | 1.24% | 3.48% | 0.15% | 5,546 |
Loan mix (Q1 2026): real estate $8.4M · commercial $0 · consumer $22.6M · securities $60.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 78.7% | 15th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Heritage South Community CUShelbyville, TN · $359.9M
- Ten Credit UnionNashville, TN · $394.4M
- Alcoa Tenn Federal Credit UnionAlcoa, TN · $424.5M
- Comtrust Federal Credit UnionChattanooga, TN · $429.5M
- Southeast Financial Credit UnionFranklin, TN · $474.1M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
Selling to L G & W Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.