Lafcu
Lansing, MI · Charter 68632 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.1BAssets
$732.1MLoans
$891.8MShares
$232.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of credit unions $1B-$10B in assets (rank 4 of 435).
- Widest gap: return on equity trails 94% of credit unions $1B-$10B in assets (rank 408 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.31%
Rank 386 of 435
Net Interest Margin
4.57%
Rank 12 of 435
Efficiency Ratio
78.61%
Rank 340 of 435
Equity / Assets
20.67%
Rank 4 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.55% | 0.81% | 1.14% | Beats 11% | 386 / 435 | |
| Return on Equity | 1.52% | 5.12% | 7.41% | 9.70% | Beats 6% | 408 / 435 | |
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 97% | 12 / 435 | |
| Efficiency Ratio | 78.61% | 65.25% | 71.39% | 77.86% | Beats 22% | 340 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.45% | 0.69% | 1.05% | Beats 18% | 358 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.67% | 9.81% | 10.84% | 12.63% | Beats 99% | 4 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.67% | 9.81% | 10.84% | 12.63% | Beats 99% | 4 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 82.09% | 78.33% | 88.38% | 95.61% | 33rd pctl | 291 / 435 | |
| Loans / Assets | 65.03% | 67.69% | 74.58% | 80.80% | 19th pctl | 351 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |