Lutheran Federal Credit Union
Total assets
$39.6M
▲ +12.7% YoY
Shares & deposits
$36.2M
▲ +12.7% YoY
Loans
$17.9M
▼ -1.0% YoY
Members
4,471
▼ -0.2% YoY
ROA (annualized)
0.90%
peers 0.60%
ROE (annualized)
10.54%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +1.3% | +11.3 pts |
| Share growth (YoY) | +12.7% | +0.7% | +12.1 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 10.5% | 4.1% | +6.4 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
Profile
- Established
- 2014
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127
- NCUA charter #
- 24861
- RSSD ID
- 4811259
- 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 | $39.6M | $36.2M | $17.9M | $3.4M | $90K | 0.90% | 3.54% | 0.00% | 4,471 |
| Q4 2025 | $36.9M | $33.5M | $18.4M | $3.3M | $253K | 0.69% | 3.55% | 0.00% | 4,514 |
| Q3 2025 | $34.4M | $31.1M | $18.2M | $3.2M | $186K | 0.72% | 3.70% | 0.00% | 4,514 |
| Q2 2025 | $35.0M | $31.8M | $18.6M | $3.1M | $74K | 0.42% | 3.54% | 0.06% | 4,517 |
| Q1 2025 | $35.2M | $32.1M | $18.1M | $3.0M | $-70K | -0.80% | 3.07% | 0.00% | 4,479 |
| Q4 2024 | $32.5M | $29.3M | $18.3M | $3.1M | $351K | 1.08% | 3.62% | 0.04% | 4,430 |
| Q3 2024 | $31.3M | $28.2M | $18.4M | $3.0M | $306K | 1.30% | 3.83% | 0.00% | 4,336 |
| Q2 2024 | $31.4M | $28.3M | $16.8M | $2.9M | $153K | 0.98% | 3.79% | 0.00% | 4,281 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $11.5M · securities $11.9M
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 | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 81.5% | 56th | |
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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