Lenco
Adrian, MI · Charter 60991 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
$145.0MAssets
$78.5MLoans
$126.1MShares
$17.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets in MI (rank 6 of 56).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets in MI (rank 54 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.09%
Rank 31 of 56
Net Interest Margin
2.98%
Rank 54 of 56
Efficiency Ratio
69.34%
Rank 21 of 56
Equity / Assets
12.14%
Rank 28 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.74% | 1.15% | 1.47% | Beats 45% | 31 / 56 | | |
| Return on Equity | 9.01% | 6.40% | 9.29% | 11.51% | Beats 46% | 30 / 56 | | |
| Net Interest Margin | 2.98% | 3.40% | 3.92% | 4.36% | Beats 4% | 54 / 56 | | |
| Efficiency Ratio | 69.34% | 65.99% | 72.16% | 78.25% | Beats 64% | 21 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.49% | 0.84% | 1.28% | Beats 91% | 6 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.14% | 10.20% | 12.14% | 14.32% | Beats 50% | 28 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.14% | 10.20% | 12.14% | 14.32% | Beats 50% | 28 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.26% | 52.28% | 65.96% | 76.17% | 41st pctl | 33 / 56 | | |
| Loans / Assets | 54.14% | 45.34% | 56.55% | 67.04% | 41st pctl | 33 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |