Lco
Hayward, WI · Charter 24648 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.9MAssets
$1.0MLoans
$2.5MShares
$402KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 32 of 1683).
- Widest gap: efficiency ratio trails 57% of credit unions under $1B in assets (rank 962 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.02%
Rank 575 of 1,683
Net Interest Margin
6.14%
Rank 32 of 1,683
Efficiency Ratio
80.60%
Rank 962 of 1,682
Equity / Assets
13.72%
Rank 716 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 575 / 1,683 | |
| Return on Equity | 7.46% | 2.67% | 5.89% | 8.74% | Beats 65% | 589 / 1,681 | |
| Net Interest Margin | 6.14% | 3.31% | 3.82% | 4.32% | Beats 98% | 32 / 1,683 | |
| Efficiency Ratio | 80.60% | 68.91% | 78.20% | 86.93% | Beats 43% | 962 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 462 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.72% | 10.44% | 12.89% | 16.53% | Beats 57% | 716 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.72% | 10.44% | 12.89% | 16.53% | Beats 57% | 716 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 40.44% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,492 / 1,683 | |
| Loans / Assets | 34.70% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,472 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |