LM
Charter #6039 · BALTIMORE, MD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.53% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.25% 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 | LM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.09M | 29th pct | 41th pct |
| Members | 3,735 | 23th pct | 34th pct |
| Net worth ratio | 11.82% | 39th pct | 46th pct |
| Return on average assets | 1.53% | 86th pct | 87th pct |
| Net interest margin | 3.83% | 56th pct | 61th pct |
| Cost of funds | 0.99% | 56th pct | 46th pct |
| Loan-to-share | 75.86% | 78th pct | 66th pct |
| Delinquency 60+ days | 0.07% | 9th pct | 16th pct |
| Net charge-off ratio | 0.17% | 42th pct | 43th pct |
| Loan growth YoY | 1.57% | 75th pct | 66th pct |
| Share growth YoY | 3.37% | 58th pct | 54th pct |
| Efficiency ratio | 62.25% | 13th pct | 8th pct |
structural peer set hash: 955d5200b4b880f8e59f269c97bbe4b2… (reproducible)
Closest structural peers
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Claim LM
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.