PackageTrendsPeer
Letter portraitLegal landscape

Lesco

Latrobe, PA · Charter 6785

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Pittsburgh, PA area (n=78). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lesco

Latrobe, PA · Charter 6785

NCUA · 2 branches

Q2 2026

$134.7MAssets
$23.2MLoans
$114.6MShares
$20.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.29%, down 13 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 1.36% of loans (-27 bps YoY).
  • Capital: net worth / assets of 14.86%, down 57 bps from a year ago.
  • Funding: loans stand at 20.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.19%-33 bps YoY

Efficiency Ratio (YTD, annualized)

51.79%-314 bps YoY

Net Worth / Assets

14.86%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.36%0.91%1.23%1.29%-13 bps
Return on Equity9.23%8.72%6.07%8.31%8.69%-53 bps
Net Interest Margin2.52%2.52%2.06%2.26%2.19%-33 bps
Efficiency Ratio54.92%55.23%62.46%53.58%51.79%-314 bps
Growth
Asset Growth (YoY)15.40%14.89%13.43%10.50%10.17%-523 bps
Loan Growth (YoY)0.81%-2.17%-4.03%-2.37%-5.71%-652 bps
Share Growth (YoY)17.14%16.69%14.76%11.31%10.93%-621 bps
Asset Quality
Delinquent Loans / Loans1.63%1.57%1.63%1.42%1.36%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.43%15.59%15.07%14.80%14.86%-57 bps
Net Worth / Assets15.43%15.59%15.07%14.80%14.86%-57 bps
Liquidity & Funding
Loans / Shares23.76%23.49%22.24%20.97%20.20%-357 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lesco

Latrobe, PA · Charter 6785 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 2 branches

Q2 2026

$134.7MAssets
$23.2MLoans
$114.6MShares
$20.0MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 5 of 78).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 72 of 78).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.29%

Rank 22 of 78

Net Interest Margin

2.19%

Rank 72 of 78

Efficiency Ratio

51.76%

Rank 5 of 78

Equity / Assets

14.86%

Rank 40 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.37%0.83%1.31%Beats 72%22 / 78
Return on Equity8.69%1.73%5.71%9.08%Beats 68%25 / 78
Net Interest Margin2.19%3.17%3.63%4.21%Beats 8%72 / 78
Efficiency Ratio51.76%65.01%78.15%89.28%Beats 95%5 / 78
Asset Quality
Nonperforming Loans / Loans1.36%0.40%0.84%1.97%Beats 33%53 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.86%12.42%15.10%18.27%Beats 49%40 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.86%12.42%15.10%18.27%Beats 49%40 / 78
Liquidity & Funding
Loans / Deposits20.20%34.83%50.41%71.84%3rd pctl76 / 78
Loans / Assets17.19%29.34%41.02%56.96%5th pctl74 / 78
Brokered Deposits / Depositsn/aNot reported for this institution