LCO
Charter #24648 · Hayward, WI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 6.36% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 69th — a 22-point gap showing why the peer definition matters.
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 | LCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.91M | 40th pct | 23th pct |
| Members | 1,307 | 91th pct | 69th pct |
| Net worth ratio | 13.60% | 30th pct | 51th pct |
| Return on average assets | 0.95% | 70th pct | 62th pct |
| Net interest margin | 6.36% | 93th pct | 93th pct |
| Cost of funds | 0.04% | 14th pct | 5th pct |
| Loan-to-share | 38.88% | 28th pct | 41th pct |
| Delinquency 60+ days | 0.79% | 50th pct | 43th pct |
| Net charge-off ratio | -0.03% | 18th pct | 23th pct |
| Loan growth YoY | 19.54% | 96th pct | 98th pct |
| Share growth YoY | 12.07% | 96th pct | 93th pct |
| Efficiency ratio | 85.64% | 49th pct | 48th pct |
structural peer set hash: 37345ce8dcf2c102b70c106b7e5497ff… (reproducible)
Closest structural peers
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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.