| Metric | Lenco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.1% | +1.9 pts |
| Share growth (YoY) | +5.3% | +3.5% | +1.8 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -3.0 pts |
| ROA | 1.09% | 0.74% | +0.4 pts |
| ROE | 9.0% | 6.5% | +2.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.0M | $126.1M | $78.5M | $17.6M | $793K | 1.09% | 2.98% | 0.21% | 7,536 |
| Q1 2026 | $143.6M | $125.3M | $78.3M | $17.2M | $386K | 1.08% | 2.93% | 0.16% | 7,565 |
| Q4 2025 | $139.6M | $121.8M | $80.1M | $16.8M | $1.9M | 1.35% | 3.09% | 0.32% | 7,660 |
| Q3 2025 | $135.5M | $118.2M | $80.8M | $16.3M | $1.4M | 1.36% | 3.10% | 0.30% | 7,665 |
| Q2 2025 | $136.8M | $119.7M | $78.6M | $15.8M | $882K | 1.29% | 3.02% | 0.29% | 7,563 |
| Q1 2025 | $135.9M | $119.1M | $76.0M | $15.4M | $432K | 1.27% | 2.96% | 0.21% | 7,557 |
| Q4 2024 | $131.5M | $115.5M | $75.1M | $15.0M | $1.7M | 1.31% | 2.97% | 0.45% | 7,548 |
| Q3 2024 | $128.3M | $113.1M | $76.9M | $14.5M | $1.2M | 1.26% | 2.94% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lenco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.74% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 6.5% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 7,596 |
| Q2 2024 | $127.8M | $112.8M | $75.5M | $14.0M | $775K | 1.21% | 2.88% | 0.30% | 7,601 |
Loan mix (Q2 2026): real estate $44.3M · commercial $0 · consumer $30.0M · securities $52.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 77.5% | 25th |
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% |
| Ratio | Lenco Credit Union | 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% |
| Ratio | Lenco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Lenco Credit Union | 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% |
| Ratio | Lenco Credit Union | 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% |
| Ratio | Lenco 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lenawee, MI, ranked 7th with 6.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lenawee, MI | 2 | $126.1M* | 5.99% | 7th |
Michigan: 182nd with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2