LUTHERAN
Charter #24861 · Saint Louis, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.57% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.53% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.14% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 41st — a 41-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 | LUTHERAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.65M | 82th pct | 41th pct |
| Members | 4,471 | 94th pct | 64th pct |
| Net worth ratio | 8.57% | 8th pct | 13th pct |
| Return on average assets | 0.94% | 65th pct | 69th pct |
| Net interest margin | 3.66% | 41th pct | 39th pct |
| Cost of funds | 0.53% | 34th pct | 20th pct |
| Loan-to-share | 49.55% | 36th pct | 34th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.14% | 8th pct | 5th pct |
| Loan growth YoY | -1.68% | 55th pct | 42th pct |
| Share growth YoY | 16.47% | 99th pct | 93th pct |
| Efficiency ratio | 83.94% | 59th pct | 56th pct |
structural peer set hash: 9e804e0246163e2f0f5b1f4eaf8a9781… (reproducible)
Closest structural peers
This is the free public view
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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.