Lisbon Farmers Union Credit Union
Total assets
$4.4M
▼ -2.7% YoY
Shares & deposits
$1.6M
▼ -6.8% YoY
Loans
$2.1M
▼ -10.4% YoY
Members
235
▼ -0.8% YoY
ROA (annualized)
-0.37%
peers 0.60%
ROE (annualized)
-0.59%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.0 pts |
| ROA | -0.37% | 0.60% | -1.0 pts |
| ROE | -0.6% | 4.1% | -4.7 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1945
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box Ab, Lisbon, ND, 58054
- NCUA charter #
- 64688
- RSSD ID
- 840390
- 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 | $4.4M | $1.6M | $2.1M | $2.7M | $-4K | -0.37% | 3.81% | 0.24% | 235 |
| Q4 2025 | $4.4M | $1.6M | $2.2M | $2.7M | $-15K | -0.35% | 3.48% | 2.20% | 240 |
| Q3 2025 | $4.5M | $1.7M | $2.2M | $2.8M | $24K | 0.72% | 4.49% | 0.00% | 237 |
| Q2 2025 | $4.4M | $1.7M | $2.2M | $2.8M | $43K | 1.94% | 5.12% | 0.07% | 236 |
| Q1 2025 | $4.5M | $1.8M | $2.3M | $2.7M | $-20K | -1.79% | 4.64% | 0.07% | 237 |
| Q4 2024 | $4.5M | $1.8M | $2.4M | $2.8M | $7K | 0.16% | 3.69% | 0.07% | 247 |
| Q3 2024 | $4.5M | $1.7M | $2.5M | $2.7M | $46K | 1.36% | 4.61% | 0.00% | 243 |
| Q2 2024 | $4.6M | $1.9M | $2.5M | $2.7M | $30K | 1.29% | 4.34% | 0.06% | 244 |
Loan mix (Q1 2026): real estate $1.1M · commercial $348K · consumer $358K · securities $1.4M
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 | -0.37% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.83% | 49th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.7% | 81.5% | 91th | |
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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