Lovers Lane Credit Union
Total assets
$7.7M
▼ -2.3% YoY
Shares & deposits
$6.5M
▼ -2.7% YoY
Loans
$6.7M
▼ -2.2% YoY
Members
1,032
▼ -1.1% YoY
ROA (annualized)
1.96%
peers 0.60%
ROE (annualized)
14.12%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -2.7% | +0.7% | -3.4 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.1 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 14.1% | 4.1% | +10.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 1502 S Belt Hwy Ste A, Saint Joseph, MO, 64507
- NCUA charter #
- 64208
- RSSD ID
- 448899
- 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 | $7.7M | $6.5M | $6.7M | $1.1M | $38K | 1.96% | 3.75% | 2.94% | 1,032 |
| Q4 2025 | $7.5M | $6.3M | $6.7M | $1.0M | $-90K | -1.21% | 3.79% | 3.46% | 1,028 |
| Q3 2025 | $7.4M | $6.3M | $7.0M | $1.0M | $-93K | -1.66% | 3.72% | 5.98% | 1,038 |
| Q2 2025 | $7.5M | $6.3M | $6.9M | $1.1M | $-71K | -1.90% | 3.72% | 5.33% | 1,038 |
| Q1 2025 | $7.9M | $6.7M | $6.8M | $1.1M | $-52K | -2.62% | 3.19% | 6.37% | 1,044 |
| Q4 2024 | $7.9M | $6.6M | $6.6M | $1.1M | $10K | 0.13% | 3.87% | 2.69% | 1,035 |
| Q3 2024 | $7.9M | $6.7M | $6.6M | $1.1M | $16K | 0.26% | 3.92% | 2.86% | 1,030 |
| Q2 2024 | $7.9M | $6.7M | $6.9M | $1.1M | $8K | 0.20% | 4.03% | 2.71% | 1,032 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.2M · securities $19K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Lovers Lane Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 81.5% | 4th | |
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 | Lovers Lane 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% |
Capital
| Ratio | Lovers Lane 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% |
Credit quality
| Ratio | Lovers Lane 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% |
Franchise
| Ratio | Lovers Lane 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Volt Credit UnionSpringfield, MO · $84.2M
- Multi-States Credit UnionSpringfield, MO · $89.2M
- Csd Credit UnionKansas City, MO · $89.4M
- Goetz Credit UnionSt Joseph, MO · $90.9M
- Postal & Community Credit UnionSaint Joseph, MO · $93.1M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
Selling to Lovers Lane Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.