Lco Federal Credit Union

Credit UnionFCUHayward, WI·Est. 2001·NCUA #24648Compare ⇄▤ Account brief

Total assets

$2.9M

▲ +13.2% YoY

Shares & deposits

$2.5M

▲ +14.9% YoY

Loans

$978K

▲ +24.8% YoY

Members

1,307

▲ +4.9% YoY

ROA (annualized)

0.92%

peers 0.60%

ROE (annualized)

6.79%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+13.3%	+1.3%	+11.9 pts
Share growth (YoY)	+14.9%	+0.7%	+14.3 pts
Loan growth (YoY)	+24.8%	-2.4%	+27.2 pts
ROA	0.92%	0.60%	+0.3 pts
ROE	6.8%	4.1%	+2.7 pts

ROA ranks in the 66th percentile of its peer group · Q1 2026

Profile

Established: 2001
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 2
Address: Po Box 1710, Hayward, WI, 54843
NCUA charter #: 24648
RSSD ID: 3017054
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	$2.9M	$2.5M	$978K	$397K	$7K	0.92%	6.18%	0.79%	1,307
Q4 2025	$2.7M	$2.4M	$956K	$387K	$12K	0.45%	5.70%	0.05%	1,311
Q3 2025	$2.7M	$2.2M	$818K	$398K	$23K	1.14%	5.78%	0.67%	1,301
Q2 2025	$2.6M	$2.2M	$831K	$381K	$9K	0.73%	5.83%	0.24%	1,286
Q1 2025	$2.6M	$2.2M	$783K	$385K	$20K	3.10%	5.83%	0.77%	1,246
Q4 2024	$2.6M	$2.2M	$853K	$365K	$89K	3.44%	6.27%	0.35%	1,260
Q3 2024	$2.5M	$2.1M	$811K	$343K	$67K	3.59%	6.69%	1.07%	1,258
Q2 2024	$2.5M	$2.2M	$811K	$319K	$41K	3.23%	6.37%	1.65%	1,265

Signals what changed in the call reports

Loans up·Loans +24.8% YoY — Fast loan growth needs funding, credit tooling and staffDeposits up·Shares & deposits +14.9% YoY — Growing franchise; likely investing in capacity

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Lco Federal Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.92%	0.60%	66th
Return on equity Annualized net income ÷ equity or net worth	6.8%	4.1%	69th
Net interest margin Interest income − interest expense, ÷ assets	6.18%	3.83%

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Ratio	Lco Federal Credit Union	Peer median
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%

Ratio	Lco Federal Credit Union	Peer median
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%

Ratio	Lco Federal Credit Union	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%