L C E
Charter #13885 · Painesville, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.31% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | L C E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.08M | 49th pct | 41th pct |
| Members | 5,656 | 60th pct | 49th pct |
| Net worth ratio | 10.47% | 25th pct | 30th pct |
| Return on average assets | 0.68% | 48th pct | 44th pct |
| Net interest margin | 3.76% | 53th pct | 48th pct |
| Cost of funds | 1.31% | 72th pct | 85th pct |
| Loan-to-share | 51.25% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 41th pct |
| Net charge-off ratio | -0.03% | 8th pct | 8th pct |
| Loan growth YoY | -1.96% | 45th pct | 33th pct |
| Share growth YoY | 7.09% | 89th pct | 80th pct |
| Efficiency ratio | 83.12% | 60th pct | 66th pct |
structural peer set hash: 672883423041ce9b5a97dd78bfbc9efb… (reproducible)
Closest structural peers
This is the free public view
Claim L C E
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.