L G & W
Charter #3796 · MEMPHIS, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.22% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.24% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.77% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 75th — a 65-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 | L G & W | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.20M | 11th pct | 75th pct |
| Members | 5,707 | 5th pct | 56th pct |
| Net worth ratio | 21.22% | 98th pct | 90th pct |
| Return on average assets | 1.44% | 87th pct | 74th pct |
| Net interest margin | 3.54% | 42th pct | 46th pct |
| Cost of funds | 1.24% | 52th pct | 77th pct |
| Loan-to-share | 34.98% | 3th pct | 26th pct |
| Delinquency 60+ days | 0.48% | 39th pct | 36th pct |
| Net charge-off ratio | 0.55% | 69th pct | 70th pct |
| Loan growth YoY | -1.15% | 34th pct | 70th pct |
| Share growth YoY | 5.33% | 74th pct | 89th pct |
| Efficiency ratio | 64.77% | 15th pct | 21th pct |
structural peer set hash: 8a227bd5dc0381182888f4296ebf6a82… (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.