LENCO
Charter #60991 · Adrian, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,565 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.97% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 57th — a 16-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 | LENCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.63M | 28th pct | 26th pct |
| Members | 7,565 | 15th pct | 16th pct |
| Net worth ratio | 11.98% | 57th pct | 52th pct |
| Return on average assets | 1.09% | 74th pct | 57th pct |
| Net interest margin | 2.97% | 14th pct | 5th pct |
| Cost of funds | 0.51% | 19th pct | 28th pct |
| Loan-to-share | 62.47% | 31th pct | 31th pct |
| Delinquency 60+ days | 0.16% | 10th pct | 18th pct |
| Net charge-off ratio | 0.02% | 8th pct | 7th pct |
| Loan growth YoY | -3.14% | 16th pct | 13th pct |
| Share growth YoY | 5.98% | 81th pct | 82th pct |
| Efficiency ratio | 69.82% | 24th pct | 30th pct |
structural peer set hash: d58624e1b23bbf6ea81345663a352069… (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.