Lampco Federal Credit Union
Total assets
$89.3M
▲ +16.3% YoY
Shares & deposits
$81.9M
▲ +16.3% YoY
Loans
$66.7M
▲ +27.0% YoY
Members
7,796
▲ +3.4% YoY
ROA (annualized)
-0.16%
peers 0.60%
ROE (annualized)
-2.08%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +1.3% | +15.0 pts |
| Share growth (YoY) | +16.3% | +0.7% | +15.6 pts |
| Loan growth (YoY) | +27.0% | -2.4% | +29.3 pts |
| ROA | -0.16% | 0.60% | -0.8 pts |
| ROE | -2.1% | 4.1% | -6.2 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 5411 Dr Martin Luther King Jr Blvd, Anderson, IN, 46013
- NCUA charter #
- 15248
- RSSD ID
- 44787
- 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 | $89.3M | $81.9M | $66.7M | $6.7M | $-35K | -0.16% | 3.78% | 1.35% | 7,796 |
| Q4 2025 | $83.7M | $75.6M | $66.9M | $6.7M | $585K | 0.70% | 4.05% | 1.30% | 7,740 |
| Q3 2025 | $79.5M | $72.8M | $63.1M | $6.6M | $418K | 0.70% | 4.26% | 1.13% | 7,665 |
| Q2 2025 | $75.9M | $69.4M | $60.7M | $6.4M | $225K | 0.59% | 4.39% | 1.09% | 7,543 |
| Q1 2025 | $76.8M | $70.4M | $52.5M | $6.3M | $80K | 0.42% | 4.08% | 1.09% | 7,542 |
| Q4 2024 | $73.5M | $67.7M | $50.5M | $6.2M | $299K | 0.41% | 4.07% | 1.35% | 7,547 |
| Q3 2024 | $74.1M | $65.1M | $50.2M | $6.4M | $424K | 0.76% | 3.87% | 1.44% | 7,591 |
| Q2 2024 | $70.1M | $61.5M | $50.5M | $6.2M | $220K | 0.63% | 3.99% | 1.35% | 7,799 |
Loan mix (Q1 2026): real estate $13.4M · commercial $2.6M · consumer $49.1M · securities $2.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 81.5% | 71th | |
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.
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